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Why people (do not) buy local products
Are you buying local products? And why?
Have you noticed any recent progress in perception of local products? What is the best way to boost the interest in local products? And what are the costs?
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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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