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post #10 of Old 10-31-2013
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Location: New Mexico, USA (Heron, Elephant Butte lakes); Arizona (Lake Pleasant)
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Re: Survey?????? I've never had one

Even a $20,000 boat might not need a survey as far as the insurance company is concerned if you are only sailing coastal or inland. With our local homeowner's insurance agent, all they wanted was to take a picture of the boat. Most of the smaller, simpler boats just aren't surveyed, though having a boat-savvy, tough friend go with you to reality-check the boat is a fine idea. Specialty marine insurers do have some advantages and may cover some things that aren't covered by a policy issued by your homeowner's agent, but the local insurance guy is probably fine for most things.
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