Insurance surveys primarily assess a vessel’s structural integrity and safety systems to help insurers determine if the boat represents an acceptable risk for its intended use. These surveys are often required when obtaining a new policy, especially for older vessels or those with limited service history.

For new policies, the underwriter may require a haul-out inspection to evaluate the hull and underwater components. For policy renewals, surveys are typically conducted while the vessel is in its slip or on a trailer, depending on your insurer's requirements.

Please consult your insurance provider for specific survey guidelines, as requirements may vary.