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Burned a couple of weeks shopping for yacht insurance before the season. The first thing I learned: a low premium often hides a pile of exclusions. Check agreed value vs actual cash value — with ACV, depreciation cuts the payout after a total loss. For an older hull, expect a request for a fresh marine survey. The hard part is the policy wording, so I found a clear breakdown here: <a href=https://yacht-insurance.net>yacht insurance</a> — it covers the main policy terms in plain English. Also read the navigation limits carefully: 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. Don't skimp on liability either — wreck removal and guest injuries can cost more than the boat itself. Compare two or three carriers and go through the exclusions before you pay.