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Took me a couple of weeks shopping for yacht insurance before spring launch. The first thing I learned: a low premium usually hides gaps in coverage. Look at whether the hull is insured at agreed value or ACV — with ACV, depreciation cuts your claim after a total loss. For an older hull, 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 policy terms in plain English. Then check the navigation limits: going past the listed waters can leave you uncovered. On the East Coast and the Gulf, the named storm deductible is usually 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. Get at least three quotes and go through the exclusions before you pay.