Spent about two weeks shopping for yacht insurance before spring launch. The first thing I learned: the cheapest quote often means a pile of exclusions. Look at agreed value vs actual cash value — with ACV, depreciation eats the payout after a total loss. If the boat is older, expect a request for a fresh marine survey. Most of the confusion comes from the policy language, so a good starting point is <a>https://yacht-insurance.net</a> — it covers the main policy terms without the sales talk. Then check the navigation limits: cruising outside them can get a claim denied. On the East Coast and the Gulf, the named storm deductible is usually 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 go through the exclusions before you sign.
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