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July 30, 2020

What to Look for When Buying a Boat?

boat_insuranceBuying and owning a boat can be exciting. They’re fun vehicles that let you glide on the water, fish, race and participate in other fun activities. It’s important not to dive headfirst into buying a boat without the proper research, however.


Here are a few tips of what to look out for when purchasing a boat.


 Signs of Damage

When buying a used boat, it’s crucial to take in every aspect of the boat to make sure it is up to standard. Keep an eye out for cracks (especially in the fiberglass), flexing, moisture and mold in any area of the boat. Since they’re kept in water, it’s common for certain areas of the boat to grow mold if not maintained properly. Any of these signs of damage can cause severe issues for the boat, such as changing how it operates on the water.


 Type of Boat

Of course, before you even go to view a boat in person, it’s important to know what type of boat you want. There are several different models built for different purposes. A fishing boat, for example, is much different than a speed boat or a yacht. Research the differences between boats as well as the costs of each to find the best choice for your purposes.



If you buy a boat, you will need boat insurance. Home insurance offers a minimum amount of boat insurance, but its limits usually cap at $10,000. Many boats are worth more than this, so you will need a boat insurance policy that covers the total replacement cost value of the boat. 

Also note that it may be difficult to insure a boat in certain conditions, which is another reason why it’s important to thoroughly inspect the vehicle before purchase.


 Start the Engine

Along with looking for signs of damage, check the areas that aren’t easy to spot without testing them. Be sure to start the engine. If you’re not familiar with engines or with boats, have someone experienced with you that can identify any worrying noises. Also test the oil. Oil should not be gritty or milky. Anyone selling the boat should allow you to test different parts of the boat, including the belts and oil, to make sure everything is in working order. Sometimes what seems like a minor issue can turn into huge trouble down the road. 

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