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Took me a couple of weeks shopping for yacht insurance before spring launch. The first thing I learned: the cheapest quote usually hides gaps in coverage. Look at agreed value vs actual cash value — on an ACV policy, depreciation eats the payout after a total loss. If the boat is older, be ready for a request for a fresh marine survey. The hard part is the policy language, so a good starting point is https://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. On the East Coast and the Gulf, 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 read the exclusions before you sign.