Spent a couple of weeks shopping for coverage for our boat before spring launch. Lesson one: the cheapest quote often means gaps in coverage. Look at agreed value vs actual cash value — on an ACV policy, depreciation cuts the payout after a total loss. For an older hull, be ready for a request for a fresh marine survey. The hard part is the policy language, so this helped me sort it out: [url=https://yacht-insurance.net]yacht insurance[/url] — it covers the main policy terms in plain English. Then check the navigation limits: going past the listed waters can leave you uncovered. On the East Coast and the Gulf, the named storm deductible is often a percentage of hull value, not a flat amount. Don’t skimp on liability either — wreck removal and damage to other boats can cost more than the boat itself. Compare two or three carriers and read the exclusions before you sign.