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yacht-insuranceArire - Took me about two weeks shopping for coverage for our boat before spring launch. Lesson one: a low premium usually means a pile of exclusions. Check 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. Most of the confusion comes from the policy language, so a good starting point is https://yacht-insurance.net — it covers the main policy terms without the sales talk. Also read the navigation limits carefully: cruising outside them can get a claim denied. 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 damage to other boats can exceed the value of the boat itself. Compare two or three carriers and read the exclusions before you pay.

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