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Burned a couple of weeks comparing quotes on coverage for our boat before spring launch. Lesson one: the cheapest quote usually hides a pile of exclusions. Check agreed value vs actual cash value — on an ACV policy, depreciation eats the payout after a total loss. For an older hull, be ready for the insurer to ask for a recent survey. The hard part is the policy wording, so this helped me sort it out: yacht insurance — it covers the main policy terms in plain English. 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 read the exclusions before you sign.

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