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Burned about two weeks shopping for coverage for our boat before spring launch. Lesson one: the cheapest quote usually hides gaps in coverage. Check agreed value vs actual cash value — on an ACV policy, depreciation cuts your claim after a total loss. If the boat is older, 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 <a href=https://yacht-insurance.net>yacht insurance</a> — it covers the main coverage options in plain English. Then check the navigation limits: going past the listed waters 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 guest injuries can exceed the value of the boat itself. Get at least three quotes and read the exclusions before you sign.