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Old 01-30-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Hey,

You don't need a survey. You do need liability insurance. The insurance may not require a survey.

I have Allstate and they have not asked for a survey. Allstate insured my Newport 28 (liability only from 2004-2007), O'day 35 (liability and comprehensive from 2006 - now) and C&C 110 (full coverage from 2013 - now).

The cheaper the boat and the simpler the boat the less need for a survey. I didn't get a survey on my first boat, a Catalina 22. The boat came with an outboard engine that started and ran fine. The interior was real simple - no AC electrical system, no plumbing, no galley, etc. I checked the boat thoroughly, it seemed fine, the owners were a nice older couple and the boat was cheap. So I bought it and happily sailed it for a year and a half.

Good luck,
Barry
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Barry Lenoble
Deep Blue C, 2002 C&C 110
Mt. Sinai, NY

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