Burned a couple of weeks shopping for yacht insurance before spring launch. Lesson one: a low premium often means gaps in coverage. Look at agreed value vs actual cash value — with ACV, depreciation eats your claim 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 I found a clear breakdown here: [url=https://yacht-insurance.net]yacht-insurance.net[/url] — it covers the main coverage options without the sales talk. Then check the navigation limits: cruising outside them can leave you uncovered. In hurricane country, the named storm deductible is often a percentage of hull value, not a flat amount. Pay attention to liability limits — 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 pay.
