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Spent a couple of weeks comparing quotes on yacht insurance before spring launch. Lesson one: 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. If the boat is older, expect the insurer to ask for a recent survey. The hard part is the policy wording, so I found a clear breakdown here: yacht insurance — it covers the main policy terms without the sales talk. Then check the navigation limits: cruising outside them 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 pay.