On most boats over 26' you're required to get a Yacht policy, rather than a boat policy... there are basically two types of basic insurance policies for boats—ACV (actual cash value) and Agreed Value. The latter policies are generally very good if you've got a more expensive boat, but are generally more expensive to get. The difference is that an Agreed Value policy will pay you an "Agreed" amount in the case your boat is lost or stolen, where an actual cash value policy will only pay what your boat is worth.
Several things you will want on your policy, in addition to the basic loss, fire, etc, coverage, regardless of what type it is:
1) Salvage and towing
2) Environmental remediation
3) Liability (most marinas require at least $100,000, many, like mine require $300,000)
4) Theft, preferably with a lower deductible for the dinghy and electronics
For either type of policy, you're probably going to have to have a survey done for the insurance company. Be aware that many insurers will require 20-odd-year-old rigging to be replaced if they are going to insure the rigging.
One other thing to check is what kind of specific named storm coverage you have and what measures you need to take to be covered for a named storm. Also, check to see what geographic region coverage you are covered for. Some policies have relatively small geographic regions, others much wider coverage. The greater the area covered, the more expensive the policy. Finally, also check to see what your layup period and what the requirements for layup are. For instance, some policies will allow in-water layup, others will not.
Hope this helps.
