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[yacht-insurancewrops]

Spent a couple of weeks comparing quotes on yacht insurance before the season. The first thing I learned: a low premium often means a pile of exclusions. Check whether the hull is insured at agreed value or ACV — with ACV, depreciation eats your claim after a total loss. If the boat is older, be ready for the insurer to ask for a recent survey. Most of the confusion comes from the policy language, so this helped me sort it out: yacht-insurance.net — it covers the main policy terms without the sales talk. Also read the navigation limits carefully: cruising outside them can get a claim denied. On the East Coast and the Gulf, the named storm deductible is usually 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. Compare two or three carriers and read the exclusions before you pay.