If you own a boat, a yacht, or any kind of working vessel, you’ve probably stopped to wonder: “ What Is Hull Insurance ?” In the simplest terms, hull insurance is the policy that protects the physical body of your boat—its hull, engine, and onboard gear—against damage, theft, or total loss. Whether you take your small fishing boat out on weekends or you run a small cargo operation, understanding this coverage can save you from repair bills that might otherwise ruin your year. Let’s walk through everything step by step. No confusing jargon. Just real talk. So, What Does Hull Insurance Really Mean? Think of hull insurance like medical insurance, but for your vessel’s bones and muscles. If your boat hits a submerged rock, catches fire, gets stolen from the dock, or even sinks in a storm, this policy helps pay to fix it or replace it. It’s different from liability coverage, which handles damage you cause to other people or their property. Hull insur...