It depends a lot on what kind of coverage you're looking for. Yacht type agreed value policies are usually more expensive than boat type actual cash value policies. Medical coverage, salvage and enviromental remediation coverage and such will generally increase your costs. The area of sailing and months of active sailing also matter.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.