yacht insurance

Spent about two weeks comparing quotes on coverage for our boat before the season. Lesson one: the cheapest quote usually means a pile of exclusions. Look at whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation cuts the payout after a total loss. If the boat is older, be ready for the insurer to ask for a recent survey. The hard part is the policy wording, so I found a clear breakdown here: [url=https://yacht-insurance.net]yacht insurance[/url] — it lays out the main policy terms without the sales talk. Then check the navigation limits: going past the listed waters can get a claim denied. In hurricane country, the named storm deductible is often a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and guest injuries can cost more than the boat itself. Compare two or three carriers and read the exclusions before you sign.