Burned a couple of weeks comparing quotes on yacht insurance before the season. The first thing I learned: a low premium usually hides a pile of exclusions. Look at whether the hull is insured at agreed value or ACV — with ACV, depreciation eats the payout after a total loss. If the boat is older, expect a request for a fresh marine survey. The hard part is the policy wording, so I found a clear breakdown here: [url=https://yacht-insurance.net]yacht-insurance.net[/url] — it covers the main policy terms without the sales talk. Also read the navigation limits carefully: 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 cost more than the boat itself. Compare two or three carriers and read the exclusions before you sign.