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Category Archives: Boat Insurance

Spring Boat Service – Exterior

Posted on March 27, 2014 by Scott Smith

Getting the boat ready for the season is a lot like getting the boat ready to sell.   You want it to look good and operate without any problems. That means you need to do a little preparation before you take it out on the lake for the first time. The last thing an owner wants to do is experience and engine failure or even worse, a fire on the first boating weekend of the season!

To make sure the first flotation is good for the family, let’s talk about a little spring season preparation.  Breaking the springtime maintenance into about five different steps makes it seem easier. There is no way we can go over all the details necessary but I’ll try and give you a pretty quick rundown.  

Each boat is going to be different, along with each boat owner and what they feel comfortable undertaking. 

Exterior hull.
Do a general cleaning of hull, deck and topsides using a mild detergent or vinegar and water.  At the same time check to make sure all the drains and scuppers are clear of debris and flow freely. 

This is also a good time to put on the coat of a good quality carnauba paste wax.  Okay, if you don’t want to use a paste wax, use a good quality liquid wax.  Whatever kind of wax you decide to use, it is important to get a good coat on the gel coat to protect the finish. Gel coat will oxidizing and develop a chalk like coating.  Gel coat also breaks down over time due to the UV rays. Waxing the surface helps to prevent UV damage. If there are any small spider cracks, wax will help to seal the cracks to moisture.  Plus the boat looks better and has to go faster, because the surface is so slick.

This is also the time to look into repairing any chips or cracks in the gel coat surface.  Small nicks and scratches can often times be polished out with a cordless power buffer or even a cloth and polishing compound.  If you don’t have any polishing compound you can always do a temporary polishing with a tube of original Crest tooth paste.  The fine abrasive in the tooth paste will help smooth out the scratches and imperfections.  

If the scratch is deep enough that it needs touch up, buy a gel coat touch up kit or simpler yet, use finger nail polish to hide the scratch.  Finger nail polish is not a permanent solution but it is an easy way to cover a scratch and the color choices are almost unlimited. 

If you have any big nicks or blisters that need to be filled you can use gel coat to do the job. One thing you will have to do is carve or grind the edges of the nicked area back to remove any loose gel coat and bevel the edges so the filler can bond to the underlying fiberglass.  The edges can be beveled with a razor knife or even a Dremel cordless tool.  If fiberglass repair is not your specialty, take the boat to a shop and have them touch up the nicks.  One thing you don’t want is holes, blisters or chips allowing water get under the gel coat. 
If you have an aluminum boat you look for dents, dings and signs of loose rivets (black soot around the rivet).  Dents just slow the boat down (not much if they are small) and loose rivets need to be re-set to make sure they do not leak. 

If you leave your boat in the water for the season, make sure your barrier paint and anti fouling paint are in good condition.  This is the time to do any touch ups.

Of course, this is also the time that you will look over all the fitting.  Check cleats, stanchions, brackets to make sure they are tight and do not have sharp edges or corrosion. Any damage to the fittings can catch clothes, skin and damage ropes. 

Most new boats have reduced the amount of wood and carpet used on the exterior of the boat, but if you have wood or carpet look for chips and tears.  Wood should be sanded or smoothed to prevent splinters and catching of skin and clothes.  A good wood sealer or teak oil should be applied to the wood to help protect the surface from the elements.  Depending on your location you may need to add a coating to the wood again later in the year.

Carpet should be kept vacuumed with a good wet and dry vacuum. Clean, dry carpet lasts longer and has less opportunity to build up mold and mildew. 

Each boat is different so the list can get quite long.  That’s why it is best to start on the outside of the boat and just start working your way around it.  By going slow and taking your time inspecting everything you will have a better chance of catching even the smallest of details.   And don’t for get to look at items like rub rails, swim platforms, boarding ladders, sacrificial zincs and even running lights.

While you are inspecting the exterior of the boat make sure you look for soft areas of the deck. Many boats use a core material between two layers of fiberglass. This core gives the boat strength without the weight required if it was all glass construction. But the core is often made from a porous material such as balsa wood or foam. The core can become damaged by moisture that seeps in through holes, cracks or seams. Once the core is saturated it gains weight and losses its strength and integrity.  If you have ever walked on a deck that felt spongy…that’s probably from a damaged core. Soft or damaged cores are usually not an easy or cheap fix.  Making sure the fittings, stanchions, blocks or any other items mounted to the deck are sealed and tightened appropriately.

If you happen to be the owner of a sail boat you will also have the additional inspections of the standing and running rigging.  Make sure you look for corrosion, bends or wear spots.  The sail track should be cleaned and lubricated with a dry lube.  Don’t forget to check the spreaders and boots so that they do not have damage that can ruin your sails. 

Posted in boat checklist, Boat Insurance, boat maintenance, boat safety, boat service, boat wax, boating service, marine maintenance, marine repairs, spring checklist, Ultimate Boat Maintenance Projects |

Finally, Spring is here. Time to start getting the boat ready.

Posted on March 21, 2014 by Scott Smith

The boat has been stored waiting for the first signs of spring. Depending where you live, now might be the time to start preparing for the boating season.  

First let me start with a quick outline of what I think makes a good spring checklist for boat owners. In the next posting I’ll go into more detail.


This is just a very brief overview of the preparation a boat owner needs to go through to get ready for the season.  Each boat will be a little different depending on the specific systems. If any of this seems like something the boat owner doesn’t want to undertake, call the boat service center and have them get the boat ready. 
Before you take the boat to the water
1.     Exterior inspection
a.     Wash, wax and repair
b.     Fitting and cleats
2.     Interior    
a.     Clean and patch  cushions and carpet
b.     Clean and protect wood
c.     Bilges, tanks and through hulls
3.     Systems
a.     Head
b.     Water
c.     Galley
4.     Engines
a.     Oil change
b.     Fuel systems
c.     Cooling systems
d.     Drive units
e.     Propellers
5.     Trailer
a.     Couplers
b.     Tires and wheels
c.     Bearings
d.     Lights
6.     Extras
a.     PFD
b.     Fire protection
c.     Registrations
d.     Insurance
Posted in boat checklist, Boat Insurance, boat lower unit service, boat maintenance, boat parts, Boat shows, boaters, boating safety, boating service, boats, marine insurance |

How much does a boat cost

Posted on February 19, 2014 by Scott Smith
I like to think of the purchase price of the boat as an investment.  I know it probably won’t increase in value, but for me it is an investment. Whether it was a “Venti Carmel macchiato with two pumps and whipped” or a new issue of Go Boating, I would be spending the money on something.  I figure the money I spent on the boat and the hours of pleasure I get from it are a lot cheaper than hours I could be spending on a psychiatrist couch.  Come to think of it, it’s not just an investment but a health benefit.
So let’s be real. The boat is using money that could be gaining interest (small as that might be) in an investment account. It’s always good to remind yourself where the money is going and how much. Not that you’ll care, but at least you won’t be surprised.

 There are other costs which I like to break out into “variable costs” and “fixed costs”.  Variable costs are items like fuel and oil. The amount of money it costs me is based on how much I use the boat. Anything that is consumable, time limited or based on wear and tear or hours used, can be considered a variable cost. 


Fixed costs are just that, fixed, no matter how much I use the boat. This can include slips, insurance, license etc.  I still have to pay the fixed costs even if I leave the boat in my yard on the trailer.  And don’t forget to throw in a few extra costs like GPS, charts, skis etc…..
Insurance is not only a fixed cost it is a major cost on some boats.  Make sure you check buying the insurance before you buy the boat. Don’t commit to the deal and find out you can’t buy the insurance because the boat is too big or too fast. I own a specialty insurance agency, take my word on this. 
Last and probably more important than any other factor is your personal preferences.  What do I really want in a boat? This can actually override all the common sense factors; it’s the wild card in the “selection deck”.  It is very important, but don’t let it get in the way of buying a good boat.
Make sure the boat you buy is something you can handle and afford. Choose something that fits the way you live and where you live.  Remember, if you can’t afford the boat or can’t handle the boat, it will sit in the driveway and never see the pounding waves. And if you just have to get it, buy it. But if you are not sure, keep looking, there’s always another boat coming into the used boat marina. 

Want to figure how much your boat cost?  Send me a note and I’ll email you a cost analysis spread sheet. You can plug in the numbers and see what your boat is costing you. Or what that new boat you are thinking about buying, might cost.  
Posted in Boat Insurance, boat maintenance, boat safety, Boat shows, boating, boating service, boats, cost, cost of ownership, marine insurance, power boats, sail boats, Sailboat |
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