yacht insurance > SOHO FREE AD ZONE

Took me a couple of weeks comparing quotes on coverage for our boat before the season. Lesson one: a low premium usually hides a pile of exclusions. Check whether the hull is insured at agreed value or ACV — with ACV, depreciation cuts 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 covers the main policy terms in plain English. 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 damage to other boats can exceed the value of the boat itself. Compare two or three carriers and go through the exclusions before you sign.