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An insurance survey  is performed so that an  insurance company can determine whether or not the vessel is an acceptable risk.  On older boats some companies are requiring surveys as often as every three years.  The insurance company is interested  in the vessel’s structural integrity and safety for its intended use.  They also want a fair market value.

An insurance survey requires inspection of all systems but  not  in as much detail as a pre purchase survey.  The client should check with the insurance company to determine  if they are requiring a haul out to survey the vessel’s bottom.  Insurance surveys  rarely require a sea trial.