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Just be aware that yacht policies are generally required for boats over 26' LOA, and boat policies usually cover boats under 26' LOA. Also, there are two basic types of policies: Agreed Value and ACV. One gives you much better coverage IMHO than the other.
Other things to consider: Liability, most marinas will require at least $100,000—mine requires $300,000. Towing and salvage coverage—salvage can be really expensive. Environmental remediation—especially if your boat sinks and causes a small oil spill—otherwise the fines and such are pretty amazing.
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Sailingdog
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Telstar 28
New England
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.
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