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Discussion Starter · #1 ·
bout to make a purchase on a small skiff with 8hp or so motor and owndering if I need to insure this boat-and if so what would this cost me? I live in philly but have a shore place in wildwood, and would i only have to get the boat registered in nj of both nj and pa-any help would be appreciated-thanx pattyboy
 

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No boats need to be insured in Nj. Most homeowners policies provide liability coverage for small boats..like up to 20 hp o/b. Most also provide a minimal amount of coverage for teh boat like maybe $1000. FYI..I have been selling boat ins & other lines for 25 years.
 

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Discussion Starter · #3 ·
is that so-how bout purchasing a boat from another person-do I have to get anything notorized or do I just pay the guy and register the boat in the state i want to use(In thic case nj)?any help appreciated
 

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Pattyboy,

If the boat is "titled", the seller just needs to sign and date the back of the title. If there is a trailer, it also needs to be registered. In NJ, they are not titled, so there is a NJ form that needs to be signed & notorized for transferr of ownership of the trailer to prove that you did not steal it. If you have a signed title, which you would have to get from the owner, that is acceptable proof that you did not steal the boat (I guess..)
 

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If you live in Philly wouldn't you just register it in PA? It can then be used in NJ, as far as I understand.

When I bought my boat we went to an Auto Tag store and the titles and registration were done right there. I then added my boat to the homeowners insurance policy.
 

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If you live in Philly wouldn't you just register it in PA? It can then be used in NJ, as far as I understand.

When I bought my boat we went to an Auto Tag store and the titles and registration were done right there. I then added my boat to the homeowners insurance policy.
I was going to register my boat in Pa until they told me it was 95 bucks/yr. I think I pay less then 20 in NJ. 17.5 FTER.
 

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I was going to register my boat in Pa until they told me it was 95 bucks/yr.
That doesn't seem correct?? PA boat registration is based on boat size, and its a 2 year registration. I pay $39 every 2 years for a 17fter. The first time you go to register your boat it is higher, because you get (and pay for) a new title certificate, initial registration, sales tax, and the stupid tag place fees, so it might have been close to $95 (the first time). Additionally if you have a trailer, same deal. I think the trailer registration is $6.00/yr.
 

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If you are going to use the boat mostly in Jersey then it should be registred in Jersey. If you are not going to register in Jersey then most would register in Delaware so you do not have to pay the sales tax. Although, at that size the tax can not be too bad. As far as insurance goes you are not required to have it but probably should. I got hit on a waverunner by a kid that rented one. The rental company's insurance said they would not cover the claim I had to go after the 16 year old kid that hit me. I do not have insurance on the waverunner and it is a pain in the a$$. Like was stated earlier maybe your home owners will cover it but based on my experience I would look into it. Good luck!
 
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