How much does boat insurance cost on a yacht? say....a sundancer 580 from sea ray. (around 2.1 million)?

also, if the boat is brand new, what is the normal wear and tear after the warranty is up? in terms of money. i've read that the average for a vessel of that size is 5% of your original purchase yearly after your first four years are up. is this true? how much of a difference will it make if this dream boat was on a lake rather than in the ocean?

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