| Spent about two weeks comparing quotes on coverage for our boat before spring launch. Lesson one: a low premium often hides gaps in coverage. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation cuts your claim after a total loss. For an older hull, expect a request for a fresh marine survey. The hard part is the policy language, so this helped me sort it out: <a href=https://yacht-insurance.net>yacht-insurance.net</a> — it covers the main policy terms without the sales talk. Also read the navigation limits carefully: going past the listed waters can leave you uncovered. On the East Coast and the Gulf, the named storm deductible is usually a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and damage to other boats can exceed the value of the boat itself. Get at least three quotes and go through the exclusions before you pay.
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