Took me a couple of weeks shopping for coverage for our boat before the season. The first thing I learned: the cheapest quote usually means gaps in coverage. Check agreed value vs actual cash value — with ACV, depreciation eats the payout after a total loss. For an older hull, be ready for the insurer to ask for a recent survey. The hard part is the policy language, so a good starting point is [url=https://yacht-insurance.net]yacht insurance[/url] — it lays out the main coverage options 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 often a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and guest injuries can exceed the value of the boat itself. Get at least three quotes and read the exclusions before you pay.