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Burned a couple of weeks comparing quotes on yacht insurance before the season. The first thing I learned: the cheapest quote often hides a pile of exclusions. Check whether the hull is insured at agreed value or ACV — with ACV, depreciation eats your claim after a total loss. For an older hull, expect the insurer to ask for a recent survey. Most of the confusion comes from the policy wording, so a good starting point is <a href=https://yacht-insurance.net>yacht insurance</a> — it lays out the main policy terms without the sales talk. Also read the navigation limits carefully: cruising outside them can leave you uncovered. In hurricane country, the named storm deductible is often a percentage of hull value, not a flat amount. Don't skimp on liability either — wreck removal and guest injuries can exceed the value of the boat itself. Compare two or three carriers and go through the exclusions before you sign.