Agreed Value policies pay the full insured amount in a total loss, while ACV policies factor in depreciation. High-value vessels typically benefit from Agreed Value for better protection.

Not always. Some policies exclude windstorm coverage or apply higher deductibles. It’s critical to review storm provisions and ensure proper coverage is in place.

Many policies can include Bahamas navigation, but it must be specifically approved. Navigation limits are a key underwriting factor.

Sometimes smaller tenders are included, but high-value tenders and personal watercraft are often written on separate policies to ensure full coverage.

Underwriters often require captain resumes and may include captain warranties. Crew exposure can also impact liability coverage.

Electronics are often subject to sublimits unless specifically scheduled. High-end systems should be itemized for full protection.

Liability covers damage or injury you cause to others, including other vessels, docks, and passengers.

Most vessels over a certain age or value require a current marine survey to confirm condition and value.

Hurricane deductibles are typically a percentage of the insured value and are higher than standard deductibles.

This protects you if another boater causes damage or injury and does not have sufficient insurance.