{"id":1482834,"date":"2026-10-26T13:39:14","date_gmt":"2026-10-26T13:39:14","guid":{"rendered":"https:\/\/community.decentrixweb.com\/index.php\/question\/yacht-insurance-12\/"},"modified":"2026-10-26T13:39:14","modified_gmt":"2026-10-26T13:39:14","slug":"yacht-insurance-12","status":"publish","type":"question","link":"https:\/\/community.decentrixweb.com\/index.php\/question\/yacht-insurance-12\/","title":{"rendered":"yacht insurance"},"content":{"rendered":"<p>Burned a couple of weeks shopping for coverage for our boat before spring launch. Lesson one: a low premium usually means a pile of exclusions. Look at agreed value vs actual cash value \u2014 on an ACV policy, depreciation eats the payout after a total loss. If the boat is older, expect the insurer to ask for a recent survey. The hard part is the policy wording, so this helped me sort it out: [url=https:\/\/yacht-insurance.net]https:\/\/yacht-insurance.net[\/url] \u2014 it covers the main coverage options without the sales talk. Also read the navigation limits carefully: going past the listed waters can get a claim denied. In hurricane country, the named storm deductible is usually a percentage of hull value, not a flat amount. Pay attention to liability limits \u2014 wreck removal and guest injuries can exceed the value of the boat itself. Get at least three quotes and read the exclusions before you pay.<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","question-category":[48],"question_tags":[],"_links":{"self":[{"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/question\/1482834"}],"collection":[{"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/question"}],"about":[{"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/types\/question"}],"replies":[{"embeddable":true,"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/comments?post=1482834"}],"wp:attachment":[{"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/media?parent=1482834"}],"wp:term":[{"taxonomy":"question-category","embeddable":true,"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/question-category?post=1482834"},{"taxonomy":"question_tags","embeddable":true,"href":"https:\/\/community.decentrixweb.com\/index.php\/wp-json\/wp\/v2\/question_tags?post=1482834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}