Took me about two weeks comparing quotes on coverage for our boat before spring launch. The first thing I learned: 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 cuts your claim after a total loss. If the boat is older, be ready for the insurer to ask for a recent survey. The hard part is the policy language, so this helped me sort it out: yacht-insurance.net — it covers the main policy terms without the sales talk. Then check the navigation limits: cruising outside them can leave you uncovered. In hurricane country, 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 exceed the value of the boat itself. Compare two or three carriers and go through the exclusions before you sign.