Admiralty insurance is one of those things you think you can live without until you realize that you can’t. Of course, you can always lower your premiums by raising your deductible limits – on just about any type of insurance coverage (car insurance, boat insurance, etc.). However, with admiralty coverage, you might need to sort through a wide range of coverage options that can sometimes border on the arcane and confusing. Getting a separate deductible might be necessary if you experience a special kind of loss because of a windstorm at sea.
Seafarers offers resources to help you find good insurance for admiralty. It is an online database of yacht clubs, boating companies, and other marine entities. You can limit your search by city, state or even country. The site has helpful links as well.
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