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Old 09-19-2010, 12:41 PM   #1
Join Date: Sep 2010
Posts: 2

my wife and I would like to purchase and live aboard a 40-45ft cat 4-5 mos a year.

I like Florida as a base but have been told it is cheaper to have Georgia as a homeport then travel to Florida.

If anyone can offer good info regarding Insuance for the vessel (cost 200k-230K used cat), and slip or mooring costs

we would really appreciate it.

thank you

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Old 09-19-2010, 01:38 PM   #2
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Join Date: Jun 2007
Home Port: Washington DC
Vessel Name: SV Mahdee
Posts: 3,236

Suggest that you contact several marine insurers for quotes for your situation. Depending on your sailing experience, insurance rates will widely vary. You can start with BoatUS for (usa/canada only) rates.

Same regarding slips--call the marinas in the areas you are interested in going to or keeping a boat. Find out their waiting lists and rates for the size boat you're interested in.

I'm not ignoring your query, but instead directing that you do exactly what I did in 2005 when we were considering the pros/cons of a large boat/monohull vs small boat vs multihull.

Look into how many months per year you plan to be in any state. Those states will tax you based upon your presence there--not where you are "officially" home ported. I think for Florida, it is 3 months but I can't recall. You can end up taxed by both Florida and Georgia if you're not thinking about this matter.

Fair winds,

"Do or do not. There is no try." - Yoda

What we're doing - The sailing life aboard and the Schooner Chandlery.

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Old 09-19-2010, 08:58 PM   #3
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Join Date: Jul 2004
Posts: 2,098

Since you're from Boston, I assume that you want this catamaran to be your winter home down South. In that case, anything further north than Stuart, Florida is going to be too cold in January and February for you to enjoy it very much. In Georgia you will get frost, (rarely) snow, and generally a bit too cool during the winter months for swimming.

I wish I knew what you've been told about what is cheaper about keeping a boat outside of Florida. Florida is a bit aggressive about collecting taxes for people who stay there on their boats, but sales taxes paid outside of Florida count against any sales tax that might be due to the state. Registering the boat in Florida every year isn't unreasonable - $75 a year? Compare that to what you've just paid for a 40 - 45' boat?

There's a lot of year 'round boating in Florida, and with 1,197 statute miles of coastline, you've got a lot of exploring to do without getting bored. Plus rivers, bays, and islands on both sides of the state, all told about 11,000 miles of rivers and waterways. Too many choices to cover in this answer.

Florida has so many marinas at prices from ridiculously expensive to sometimes quite cheap. A catamaran might be very expensive to keep in a marina because of its width, though when just on a face dock, it usually costs the same as a monohull. Some places that are reasonable are in Stuart. My experience is with Sunset Bay Marina in Stuart, which offers marina berthing and moorings. The mooring is quite reasonable, under $400 per month, and you have full access to all marina facilities including the lounge and laundry. There are others in Stuart, and just about everywhere up and down both coasts. Just about every marina in Florida can be found quickly with an Internet search - just pick a town you might want to visit.

Insurance costs shouldn't be a problem if you don't keep the boat in the water in Florida for hurricane season. Either have it hauled while you're not there, and insurance won't be such a problem. Or bring it north to the Carolinas or even Georgia to haul it or leave it in the water in a marina, such as Brunswick Landing Marina in Brunswick, GA.

I hope this helps. Any more questions, fire away.

In 1986 we went cruising for a few years. After 20 years and 50+ countries and several oceans, we are STILL "cruising for a few years".

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Old 09-20-2010, 11:47 AM   #4
Join Date: Sep 2010
Posts: 2

Thank You for taking the time to reply I appreciate the information
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