Spent a couple of weeks comparing quotes on yacht insurance before the season. The first thing I learned: the cheapest quote often means gaps in coverage. Check agreed value vs actual cash value — with ACV, depreciation eats your claim after a total loss. If the boat is older, be ready for a request for a fresh marine survey. Most of the confusion comes from the policy wording, so I found a clear breakdown here: [url=https://yacht-insurance.net]yacht insurance[/url] — it lays out the main coverage options without the sales talk. Then check the navigation limits: going past the listed waters 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 guest injuries can exceed the value of the boat itself. Compare two or three carriers and read the exclusions before you pay.