Spent a couple of weeks comparing quotes on yacht insurance before spring launch. Lesson one: the cheapest quote often means a pile of exclusions. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation eats your claim after a total loss. If the boat is older, be ready for the insurer to ask for a recent survey. Most of the confusion comes from the policy language, so I found a clear breakdown here: [url=https://yacht-insurance.net]https://yacht-insurance.net[/url] — it lays out the main coverage options without the sales talk. Then check the navigation limits: going past the listed waters can get a claim denied. On the East Coast and the Gulf, the named storm deductible is often a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and guest injuries can cost more than the boat itself. Get at least three quotes and read the exclusions before you pay.