“ Spent a couple of weeks shopping for coverage for our boat before the season. Lesson one: the cheapest quote often hides a pile of exclusions. Check agreed value vs actual cash value — with ACV, depreciation cuts 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 language, so a good starting point is [url=https://yacht-insurance.net]yacht-insurance.net[/url] — it lays out the main policy terms in plain English. Then check the navigation limits: cruising outside them can get a claim denied. In hurricane country, 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 exceed the value of the boat itself. Compare two or three carriers and go through the exclusions before you sign. ”