Burned a couple of weeks shopping for yacht insurance before spring launch. The first thing I learned: the cheapest quote often means gaps in coverage. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation cuts 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 language, so this helped me sort it out: yacht-insurance.net — 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 exceed the value of the boat itself. Get at least three quotes and read the exclusions before you pay.