When looking for insurance in the past I found that some boats just wouldn't be covered for unlimited cruising as in,,, they will cover you for coastal cruising but not for a circumnavigation. Or, they will cover you for Caribbean but not for going to the Med. It had nothing to do with cruising areas but the construction. Same as problems with insuring a boat more than 25 years old. Sometimes you can't even get insurance for an older boat. Our Gulfstar was covered for 'unlimited cruising'. Now that it's almost 30 it's becoming a problem.