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Took me a couple of weeks comparing quotes on coverage for our boat before spring launch. Lesson one: the cheapest quote often hides a pile of exclusions. 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 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.net</a> — it lays out the main policy terms without the sales talk. 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. Pay attention to liability limits — wreck removal and guest injuries can exceed the value of the boat itself. Get at least three quotes and go through the exclusions before you sign.