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yacht-insuranceArire - Spent a couple of weeks comparing quotes on yacht insurance before spring launch. Lesson one: a low premium usually means a pile of exclusions. Look at agreed value vs actual cash value — on an ACV policy, depreciation cuts 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 I found a clear breakdown here: yacht insurance — it covers the main policy terms in plain English. Also read the navigation limits carefully: cruising outside them can get a claim denied. On the East Coast and the Gulf, the named storm deductible is usually a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and damage to other boats can exceed the value of the boat itself. Get at least three quotes and go through the exclusions before you sign.

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