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Burned about two weeks shopping for coverage for our boat before the season. Lesson one: a low premium often means a pile of exclusions. Look at 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 a request for a fresh marine survey. The hard part is the policy language, so a good starting point is yacht insurance — it lays out the main policy terms in plain English. Also read the navigation limits carefully: cruising outside them can leave you uncovered. 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. Compare two or three carriers and read the exclusions before you pay.