life-on-the-water

Start Your Boating Journey

Everything you need to know to get off the dock.

Guide to Owning your Boat

The average cost of a new boat is $60,000 to $75,000, but you could pay far less — or far more — depending on what you have in mind. But if you’re asking “How much does a boat cost?” you’ll factor in mooring fees and storage, fuel, insurance, licensing fees, maintenance and much more.

Before you buy, you’ll want to consider the upfront purchase costs. The first step is figuring out how you want to spend your time on the water and what type of boat you want to buy. You might want a fishing boat, or a bowrider for family fun. Perhaps a cabin cruiser that could house your family overnight for extended trips, or a specialty craft like a pontoon boat for family parties or a ski/wake boat for watersports.

Our Boat Finder Tool can help you identify the boat style that’s right for you by selecting your preferred activities, number of passengers and more criteria for your ideal boat. Then, be sure to learn more about the initial purchase costs in our comprehensive guide on Boat Values and Prices: Negotiating Your Purchase.

Once you’ve identified your favorite activities, calculating how much you want to invest on you first boat.

What is the Total Cost of Boating?

Almost anyone you’ve ever talked to who has NEVER owned a boat will probably tell you that “boats are expensive”. The acronym “Bring Out Another Thousand” is a joke that has been around for as long as most can remember. What people don’t realize is that with proper care and maintenance, just like any vehicle, your boat can last a lifetime with minimal issues. Here we will address the costs of boat ownership so you’re not stuck with sticker shock going into the buying process. Since not all boats are created equal, we are going to generalize with the initial costs that all boats require, and move into more specific maintenance costs. Let’s get started!

Like any other vehicle, when you buy your boat you’re going to have to register it in your name. Every state will have different registration requirements, with Washington State’s requirements being 60 days of moving to the state with the vessel or 15 days of buying the vessel if bought in another state and you live in Washington State. You can find more information on registering your boat in Washington State here. If you’re not in Washington State, you can head over to Discover Boating and find your state to get more information.

Like registration, a requirement in most states, your boat will have to be insured. Costs here will vary depending on your insurance provider and your boat’s status, type and options. There are many providers online to figure out what coverage works best for your boat, but you may end up with a discount if you’re bundling it with your current vehicle. You can find more on boat insurance details here!

If you’ve purchased a new boat, it’s likely to have come with a trailer. If it didn’t and you intend on moving the boat from point A to point B out of the water, you’re likely going to need one. The cost of a trailer does vary depending on features and size, but one constant is that in Washington state, the trailer, like the vehicle, needs to be titled and registered to the owner with attached license plates. Check your state’s DOL (Department of Licensing)  to see if you need to register your trailer after your purchase. Figure in the yearly licensing fee as an added recurring cost to boat ownership.

Largely depending on the length of your boat, the cost of storage and moorage can vary wildly. Outdoor storage areas, while less secure, will be cheaper than indoor storage if you can’t keep your boat at home, under cover or in a garage. Indoor dry storage allows for a safe, secure storage environment out of the elements. Marina moorage for larger vessels is another way to go. Under cover wet storage and enclosed boat houses can keep your vessel ready to go and out of the elements. Shore power can ensure the batteries stay charged and the heat is running so your boat doesn’t succumb to the moisture from the marina. Google will be your friend in locating storage options for your boat. Contact your nearest marina for moorage information and your nearest storage facility to see if they allow for vehicle storage and how much they cost.

Depending on what kind of boater you are will determine the accessories you need to accommodate your vessel. That being said, you will need to invest in a few key pieces of safety gear to make your boat legal to operate and take out.

  • Type IV throwable flotation devices: Think of the ring floating devices you see in movies. Those or the square kind. These devices are designed to be grasped and not worn.
  • PFD’s (Lifejackets): Life jackets are required for every single person aboard any floating vessel. If the person joining you doesn’t have one, then it’s your responsibility to make sure that they’re provided for as not doing so can lead to injury or even death in an emergency situation.
  • Visual signaling devices: These can be in the form of smoke and flares. Boats under 16ft have to have the minimum of night signals while boats over 16ft have to have both day and night visual devices.
  • Audible signaling devices: In the form of handheld boat horns. While most boats will have mounted horns of some sort, in the case of the battery going dead or the on board horn going out, it’s good to have a back up to signal out in low visibility.
  • Fire extinguisher You’re on water? There’s no chance of a fire, right? Wrong. Where there is fuel, there can be fire. Having a fire extinguisher on board in case of a fire can prevent even more serious situations such as the boat sinking or the fire spreading and  hurting the people on board.



While these are the Coast Guardrequired options, there are other safety equipment that you may need depending on the type of boat you have and what you’re doing with it. Discover Boating recommends the following 12 options.

Depending on the type of boating you do and where you do it, some of these may be required or only recommended items. Either way, you can pack most of these aboard even the smallest of boats:

  1. Medical kit for cuts, scrapes, seasickness or small emergencies;
  2. Anchor with line to hold your boat in place while you wait for help to arrive;
  3. Bailing device or bucket to dewater and stay afloat;
  4. Oars or paddles if the engine quits;
  5. Cell phone to call for help;
  6. VHF radio to call for help;
  7. Knife to cut a line around a fouled propeller;
  8. Snorkel mask to inspect what’s going on under the boat;
  9. Heavy duty flashlight;
  10. Skier or diver down flag;
  11. Working running lights if your boat is equipped with them;
  12. A way to get weather updates because things can change quickly, even on a lake.


This sounds like a lot! But the safety of your crew and boat is paramount to the small amount of money this investment is.

Arguably the most daunting of any boat ownership is the maintenance. While keeping your boat clean and lubricated where applicable, is a great way to start preventative care. In places like Washington State where boating is a seasonal activity, the cost of winterization presents itself. Luckily, our professionals at Union Marine can winterize your boat and minimize cost and effort. Generally speaking, yearly maintenance for your boat should be about 10% of what your vessel costs. If you’re buying new, then it will likely be much less than that! Just keep in mind that your boat’s engine will likely be the #1 component that needs the most care.Learn to flush your engine yourself after trips into saltwater. Next comes the boat’s hull, both bottom and top, then electrical, moving parts and upholstery. With larger boats and boats with heating/cooling systems, you’ll have to take into account plumbing and HVAC as well. Since each boat operates differently, the maintenance will be different as well. Refer to your manufacturer’s instructions to see exactly what needs to be done and when.

What First Time Boaters Need to Know

If you are new to boating, you’re going to have more questions than answers when you start looking into resources. The dreams of days out on the water with family and friends, fishing, watersports or just feeling the wind in your face have arrived! But finding the right boat for you can be overwhelming. Luckily, you have us at Union Marine to be your north star to help chart your course so that you can choose which boat is right for you. Before you get too deep in the water, here are some tips to get started.

Are you looking to go out for the day, the weekend, or longer? Are you going to be in the ocean or freshwater, or both? Are you fishing, partaking in wake surfing or wakeboarding, or diving? Answering these questions will help you figure out what boat is right for you.

Where are you going to keep your boat, and more importantly, where are you going to launch it?

    1. Depending on the size of your vessel, you have options. If you plan to keep it at home, we’d recommend covering it at minimum and preferably in a garage or undercover. Storing your boat at home, of course, is free. If you do not have room at your home, you can store it on a rack storage for a monthly fee. Larger boats might require moorage at a marina or boat club (more on that here), also for a monthly fee.
    2. Launching the boat comes with another set of options. If you’re already moored at a marina or boat club, you can just unplug and go! However, if you’re storing the boat at home, you can look up your nearest boat launch on Google, your city’s Parks and Rec Department or use takemefishing.org as a resource by using their “boat ramp finder” option. Check that out here.

Like a drivers license, many states require the driver to pass a test and/or complete a boater safety education course. You can search online if your state requires a license or head over to the Discover Boating page here to see what the requirements are.

What we mean is, find a body of water near you and familiarize yourself with the rules of the water. The same way you learn to drive a car and learn the “rules of the road” and the ins and outs of driving, you should do the same with your boat. IF you can receive on-water instruction, we would recommend it! At Union Marine, we provide a number of workshops throughout the year to teach new boaters the basics, so make sure you check our events page for information on upcoming classes. You can also utilize Union Marine’s very own captain who will take you through the ropes once you have purchased your boat.

Owning a boat opens you up to a world of possibilities you never knew existed and a whole new way of exploring. Once you learn what it takes to get your sea legs, it will be time to get out and use them!

Where Can you Get a Moorage?

Have you just purchased a big boat and need a place to “moor” or store it? Are you out on an overnight or weekend trip, and need a place to stay? Are you heading out for a prolonged trip and will be in need of multiple spaces? Are you looking for long term liveaboard slips? Are you reading this and just wondering what we’re talking about? There are many options in mooring a boat, so let’s explain what moorage is and why it’s important to you as a boat owner.

While there are more definitions, the basic long and short of it is defined by the above. Now let’s define “slip”.

Perfect. Now why are these important? If you’re the owner of a bigger boat, whether it’s a fishing boat, yacht, or cabin cruiser or largely anything in the 30ft or above category, it’s likely you’re going to have your boat moored. Now those who have been around boats for a long time will likely correct you on your use of “slip” versus “moorage”, but when you call around to the local marinas, they’ll know what you mean as a new boat owner when you ask for moorage fees.

***Note***The difference between a slip and a mooring area is that mooring balls are set in the middle of the water and can be tied up to by a boat while a slip is attached to a dock.

Whether you store your boat in the water year round or during boating season, you’re going to need to moor in a slip at the marina of your choice. This comes with a price-per-foot fee that you will either pay monthly or yearly, depending on your agreement with the marina. Long term slips are becoming more valuable as popularity in boating increases. Since we don’t know where you’re located, Google will be your friend to find the moorage nearest you to keep your boat stored all year round. Slips can also be seasonaland that moorage ends at the end of the said season.  But what if you’re going on a trip?

This is where the mooring balls mentioned above can be your friend as well as dockside parking. Usually payment is required daily, much  the same as staying at a hotel and isn’t going to be long term. Moorage balls and free dock spaces can be found in most port based cities, but to find specific areas, make sure to map out your trip ahead of time so you know which spaces are available to the public.

We hope this explains moorage all around and can provide you with enough information to find your local marina to secure a space for your boat! If you have any questions, don’t hesitate to reach out to one of our professionals to help you further! Cheers!

Storage & Moorage

Largely depending on the length of your boat, the cost of storage and moorage can vary wildly. Outdoor storage areas, while less secure, will be cheaper than indoor storage if you can’t keep your boat at home, under cover or in a garage. Indoor dry storage allows for a safe, secure storage environment out of the elements. Marina moorage for larger vessels is another way to go. Under cover wet storage and enclosed boat houses can keep your vessel ready to go and out of the elements. Shore power can ensure the batteries stay charged and the heat is running so your boat doesn’t succumb to the moisture from the marina. Google will be your friend in locating storage options for your boat. Contact your nearest marina for moorage information and your nearest storage facility to see if they allow for vehicle storage and how much they cost.