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Took me a couple of weeks comparing quotes on yacht insurance before the season. Lesson one: the cheapest quote often hides a pile of exclusions. Check agreed value vs actual cash value — with ACV, depreciation eats your claim after a total loss. If the boat is older, expect a request for a fresh marine survey. Most of the confusion comes from the policy wording, so this helped me sort it out: https://yacht-insurance.net — it covers the main policy terms without the sales talk. Then check the navigation limits: cruising outside them can get a claim denied. In hurricane country, the named storm deductible is usually a percentage of hull value, not a flat amount. Don't skimp on liability either — 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 pay.
