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Spent a couple of weeks comparing quotes on yacht insurance before spring launch. Lesson one: a low premium often means a pile of exclusions. Look at agreed value vs actual cash value — on an ACV policy, depreciation eats the payout after a total loss. For an older hull, be ready for the insurer to ask for a recent survey. Most of the confusion comes from the policy wording, so a good starting point is https://yacht-insurance.net — it covers the main coverage options without the sales talk. Also read the navigation limits carefully: going past the listed waters can get a claim denied. 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.