Boat buying changed. In today’s market, a “good boat” can still become a dead-end deal if the proof trail is missing. Insurers and marinas increasingly want clear, verifiable evidence (dates, invoices, service records, and photos) before coverage can bind. Insurance decisions are no longer automatic. While buyers still deal with an insurance company, the actual decision is made by the underwriter — the person or team assessing the risk behind the scenes.
Insurance Readiness Pack is a practical toolkit that helps you screen listings faster and avoid wasting money on surveys, travel, or haul-outs.
What you get (quick to use):
A Documents + Dates checklist (what underwriters expect to see)
The Minimum Photo Proof Set (exact shots to request from a seller)
Seller request email templates (copy-paste)
A one-page Surveyor Brief (send before the survey)
A Three-Bucket Filter (Green / Amber / Red) to decide when to walk away
A Dangerous Words Glossary (how vague wording triggers “unknown” risk)
A Question Bank to turn vague answers into usable evidence
A simple Insurability Cost Stack worksheet and Walk-Away Threshold
A one-page Underwriting Profile Summary you can attach to your file
Who it’s for
Buyers who are still browsing listings and want to avoid dead-end boats early
Sellers who want to make their boat easier to insure (and easier to sell)
Anyone who wants a cleaner, more professional documentation package before a survey
Best next step
Once you shortlist a specific model, use a model-specific TrueNorth Survey-Prep Guide to target that yacht’s known failure points and collect the right evidence the first time.
Important note
Insurance requirements vary by insurer, vessel age, and cruising area. This toolkit reduces unknowns and improves clarity, but it cannot guarantee coverage.
