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A boat survey is one of the most important steps in buying, selling, or insuring a boat. While it may feel like just another checkbox in the process, a proper survey can reveal valuable information about a vessel’s condition, safety, and overall seaworthiness.
Understanding the basics of a boat survey — and what surveyors typically look for — can help boat owners and buyers know what to expect and why surveys matter.
Disclaimer: This article is for general informational purposes only and does not constitute insurance or legal advice. Survey requirements, findings, and insurance considerations vary by vessel, insurer, and location. Always consult qualified marine professionals and your insurance provider for guidance specific to your situation.
A boat survey is a detailed inspection conducted by a qualified marine surveyor. Surveys are commonly performed during boat purchases, prior to insurance binding, or when assessing a vessel’s condition after repairs or modifications.
The surveyor evaluates the boat’s structure, systems, and safety equipment and documents their findings in a written report.
Boat surveys help identify issues that may not be obvious during a casual inspection. Problems such as hidden water intrusion, structural weaknesses, or mechanical concerns can be costly if discovered later.
From an insurance perspective, surveys can also help establish vessel condition and value at a specific point in time. Requirements vary by insurer, vessel age, and size.
One of the first areas surveyors examine is the hull and structure.
Common inspection points include:
Surveyors may use moisture meters or sounding techniques to detect hidden issues.
Engines and propulsion systems are another major focus.
A survey may include:
In some cases, engine surveys are performed separately by mechanics, depending on vessel size and complexity.
Electrical systems are inspected for safety and basic functionality rather than performance upgrades.
Surveyors may look for:
Electrical deficiencies are common findings, especially on older boats.
Safety gear is a standard part of any survey.
Typical items reviewed include:
Surveyors often note missing, outdated, or non-functional safety equipment.
Deck fittings and hardware help ensure safe operation and structural integrity.
Inspection areas can include:
Loose or improperly installed hardware may be flagged in the report.
When possible, surveys may include a sea trial. This allows the surveyor to observe how the boat performs underway.
During a sea trial, surveyors may note:
Sea trials can reveal issues not apparent while the boat is stationary.
Survey reports typically list findings, recommendations, and sometimes an estimated value. Not all findings are deal-breakers — many reports include routine maintenance items or age-related observations.
Understanding the difference between critical safety concerns and minor recommendations is key.
Some marine insurance policies may require a survey based on factors like vessel age, size, or value. Survey results can influence underwriting decisions, coverage terms, or requested repairs.
Because requirements vary, it’s important to confirm survey expectations directly with your insurance provider.
A boat survey provides insight, transparency, and peace of mind. Whether you’re purchasing a boat or reviewing insurance requirements, understanding what surveyors look for can help you navigate the process with greater confidence and fewer surprises.
