Checklist: Everything you Need to Do When Buying a Boat


Buying a boat can be a daunting task, but with the help of this checklist, it will be much easier. By following these guidelines, you will make sure that you are getting the best boat for your needs and that you are properly insured.

Research the Different Types of Boats Available

When you’re ready to buy a boat, you’ll want to do your research. There are a lot of different types of boats out there, and it can be hard to decide which one is right for you. Here’s a checklist of everything you need to do when looking for a boat:

  1. Figure out what kind of boat you want. There are several different types of boats available, including fishing boats, cabin cruisers, speedboats, and sailboats.
  2. Consider your budget. You don’t have to spend a lot of money on a boat to get good value. In fact, some inexpensive boats are just as good as more expensive models.
  3. Know your needs. Do you want a boat that can take you fishing or sailing? Are you looking for something that can serve as a recreational vessel or something that will be used for work purposes?
  4. Research the different types of boats available and compare them side by side. Once you’ve decided on the type of boat that’s right for you, check out specific models and see how they fit your needs.
  5. Look into financing options and find the best deal possible. It’s important to find a boat that works within your budget and meets your needs, but it’s also important to find a financing option that fits your situation. You may be able to get a boat loan or lease through a credit union or other financial institution. You can always try with boat sales.

Determine your Budget

When you’re ready to buy a boat, it’s important to have a concrete idea of your budget. Here are a few things to keep in mind:

– First, determine how much you’re willing to spend. This will help you figure out what size and type of boat is right for you.

– Next, factor in how often you’ll use the boat. If you only plan on using it occasionally, a cheaper model might be fine. But if you plan on using it more often, you might want to invest in a nicer boat.

– Finally, make sure to factor in the price of dock fees. These can add up quickly, so it’s important to know ahead of time.

Choose the Right Boat Dealership

When looking to buy a boat, it’s important to do your research. Here are some tips to help you choose the right dealership:

– Ask friends and family which boat dealership they would recommend.

– Check online reviews of boat dealerships.

– Visit the dealership in person.

– Talk to salespeople about their experiences with the boats they have sold.


Get Pre-Approved for a Loan

When you’re ready to buy a boat, it’s important to get pre-approved for a loan. There are a few things you need to do before applying for a loan:

– Get your credit score checked. A good credit score will help you get approved for a loan sooner.

– Research the boat you want to buy. Make sure you understand the specifications and what’s included in the price.

– Create a budget. Figure out how much money you can afford to spend on the boat, including taxes, registration, and insurance.

– Check with your bank or credit union to see if they offer financing options for boats. They may have special rates or terms that are better than traditional loans.

Sign the Contract

When you buy a boat, there are a few things you need to do before signing the contract. Make sure you have everything signed before you leave the dealership! Here is a checklist of what to do:

– Check the title

– Make sure the loan is pre-approved.

– Get quotes from multiple dealerships.

– Get insurance.

– Get a copy of the registration.

– Check for liens and taxes.


Get your Boat Registered and Insured

If you’re thinking about buying a boat, there are a few things you should do before you buy.

  • First, make sure the boat is registered and insured.
  • Second, make sure the boat is in good condition.
  • Third, find out the required safety equipment for your boat and check to see if it’s included in the price.
  • Fourth, be sure to get a copy of the boat’s registration and insurance certificates.
  • Fifth, be sure to have a copy of the owner’s manual and look up any specific regulations related to your area.
  • Finally, test drive the boat before you buy it.


The list of items below is a checklist of what you should do in order to purchase or pre-purchase your boat. Make sure to review it before heading to the dealership!

  1. Determine your budget – Figure out how much you’re willing to spend and stick to it. There are boats that start at a very affordable price, while others can be quite expensive. Don’t let yourself be swayed by the salesperson’s “special deal” or “limited time offer.”
  2. Decide on the type of boat you want – Are you looking for personal watercraft (PWC), a cabin cruiser, a fishing vessel, or something else?
  3. Learn about the different types of boats – Find out what features are available on different models and make sure you know what you need and don’t need in order to enjoy your new vessel.
  4. Check out boat dealerships – It can be tempting to buy a boat sight unseen, but doing so can be risky. Make sure to visit several dealerships and take a look around before making a decision. You may be surprised by the variety of options available and the different types of salespeople available.
  5. Get a loan – This isn’t an optional step, but rather one that is absolutely necessary if you want to buy a boat. Unless you have the money saved up, you will need to obtain a loan in order to purchase your boat.
  6. Have your insurance company check out the boat – Your insurance company will want to make sure that the boat is safe and meets all of the safety requirements in place. They may also require a safety inspection before you can take possession of the vessel.
  7. Make sure all of your paperwork is in order – This includes your driver’s license, proof of residency, and proof of insurance. You will also need to get a registration certificate and title for the boat.
  8. Pay for the boat – Once you have all of your paperwork in order and have satisfied any insurance requirements, it’s time to pay for the boat! Be sure to have enough money saved up in order to cover the cost of the boat, taxes, registration fees, and other associated expenses.