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Spent a couple of weeks shopping for yacht insurance before the season. Lesson one: the cheapest quote often means a pile of exclusions. Look at 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. The hard part is the policy language, so I found a clear breakdown here: https://yacht-insurance.net — it covers the main coverage options in plain English. 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. Pay attention to liability limits — wreck removal and guest injuries can cost more than the boat itself. Get at least three quotes and go through the exclusions before you pay.

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