• Consider third party liability – it covers damages that you might cause on other sailboats
• Ask about “new for old” cover - some arrangements will fully pay for a damaged piece of your boat – others pay the current, second-hand value of the damaged equipment
• Consider if the means of transport are covered - for example, your trailer
• Guests sailing on your boat - some policies differentiate between passengers and crew
• Sail in foreign countries – consider its validity abroad
• Ask about seasonal limits of the policy