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Yacht-insurancejeors

22 Oct 2026 - 03:23 pm

Took me about two weeks comparing quotes on coverage for our boat before spring launch. Lesson one: a low premium usually hides gaps in coverage. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation eats your claim after a total loss. If the boat is older, expect a request for a fresh marine survey. The hard part is the policy language, so this helped me sort it out: https://yacht-insurance.net — it lays out the main policy terms in plain English. Then check the navigation limits: cruising outside them 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. Don't skimp on liability either — wreck removal and damage to other boats can exceed the value of the boat itself. Get at least three quotes and go through the exclusions before you pay.

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