Подарю, отдам, Актау

Spent a couple of weeks comparing quotes on coverage for our boat before the season. The first thing I learned: a low premium usually means a pile of exclusions. Check agreed value vs actual cash value — with ACV, depreciation cuts your claim after a total loss. For an older hull, expect a request for a fresh marine survey. Most of the confusion comes from the policy wording, so a good starting point is yacht insurance — it lays out the main coverage options without the sales talk. Also read the navigation limits carefully: 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 guest injuries can cost more than the boat itself. Compare two or three carriers and read the exclusions before you pay.