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Took me about two weeks shopping for coverage for our boat before the season. The first thing I learned: the cheapest quote usually hides gaps in coverage. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation eats the payout after a total loss. For an older hull, expect a request for a fresh marine survey. Most of the confusion comes from the policy wording, so a good starting point is <a href=https://yacht-insurance.net>https://yacht-insurance.net</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. In hurricane country, the named storm deductible is usually 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 sign.