Buying a Pontoon Boat: What to Know Before You Hit the Water

Pontoon boats are a fun, versatile, and family-friendly way to enjoy time on the water—perfect for everything from relaxed cruises to lively gatherings with friends. However, before you head out on the water, it’s important to make sure you’re properly protected by securing the right boat insurance so that you can enjoy every adventure with complete peace of mind. Insurance is a key part of responsible boat ownership, safeguarding you, your passengers, and your investment against unexpected mishaps.

With decades of experience and a strong reputation for reliability, GEICO Marine stands out as a trusted source for comprehensive boat insurance, helping pontoon owners navigate the waterways with confidence.

Key Takeaways

• Pontoon boats are ideal for calm water cruising and family outings.
• Their stability and deck space make them perfect for entertaining and fishing.
• Costs vary based on size, engine power, and customization options.
• Boat insurance can help protect your investment against damage or liability.

What Is a Pontoon Boat?

Pontoon boats are flat-decked vessels that float on two or three metal tubes, or “pontoons,” which provide stability and buoyancy on the water. They’re typically powered by an outboard motor and designed for smooth, easy cruising rather than high-speed performance. Commonly used for leisure activities, fishing trips, and relaxed cruising, pontoon boats offer a comfortable and versatile way to enjoy the water.

Are Pontoon Boats Safe?

Pontoon boats are generally very safe, thanks to their wide, stable design supported by a two- or three-tube flotation system that keeps them balanced and steady on the water. They’re best suited for calm environments like lakes, bays, and rivers, where their flat decks and open layouts shine. As with any vessel, safety is enhanced by wearing life jackets, avoiding rough weather, and performing regular maintenance checks before each outing.

Safety features to look for when buying a pontoon boat include:

• Railings and gates: Prevent passengers from accidentally falling overboard.
• Non-slip flooring: Reduces the risk of slips and falls, especially when wet.
• Navigation lights: Ensure visibility during evening or low-light conditions.
• Fire extinguisher and safety kit: Provide essential tools for emergencies.
• Emergency shut-off switch: Instantly cuts power to the motor if the driver goes overboard.
• Properly rated flotation devices: Keep everyone onboard safe in case of an emergency.

How Much Does a Pontoon Boat Cost?

Pontoon boat prices can vary widely depending on size, engine type, and included features, with entry-level models typically starting around the low five-figures and premium, luxury options reaching well into the six-figure range. Factors such as seating capacity, horsepower, onboard technology, and accessories like sound systems or fishing setups all influence the final price.

Beyond the sticker cost, buyers should also budget for financing, customization, and ongoing maintenance to keep the boat in top condition. Additionally, insurance plays an important role in total ownership costs, offering financial protection and peace of mind while you enjoy your time on the water.

Pontoon Boats vs. Other Boats

Pontoon boats are ideal for relaxed cruising, entertaining, and family outings, offering more deck space and comfort than runabouts or traditional fishing boats. However, boaters seeking high-speed performance, offshore fishing, or sportier handling may prefer high performance boats, fishing boats, or deck boats designed for those specific activities.

Here’s a quick breakdown to help you assess where each type of boat excels and where each may fall short:

Essentially, pontoon boats are great for leisurely cruising, family outings, and entertaining on calm waters like lakes and rivers. But they’re often not ideal for water skiing or other high-speed sports, as their design prioritizes stability and comfort over performance and maneuverability.

Where Can You Use a Pontoon Boat?

Pontoon boats are best suited for calm, inland waterways such as lakes, rivers, and intracoastal channels, where their stable, flat-deck design can shine without the challenge of large waves or rough currents. These environments allow for smooth cruising, fishing, and entertaining while maintaining the comfort and safety that pontoons are known for.

While they can be used in saltwater, extra maintenance—such as thorough rinsing, applying corrosion protection, and using saltwater-rated components—is essential to prevent damage. Additionally, regional boating regulations can vary by location, covering factors like speed limits and safety gear requirements, so it’s important for boat owners to stay informed and compliant wherever they plan to head out on the water.

Pros and Cons of Owning a Pontoon Boat

While there are many reasons pontoon boats could be the perfect vessel for you, it’s also important to recognize some potential downsides before purchasing one. Weighing both the benefits and drawbacks ensures you make an informed decision and avoid ending up with a boat that doesn’t align with your lifestyle, needs, or boating interests:

Pros of Pontoon Boats

• Spacious and comfortable: Ideal for families and gatherings
• Stable and beginner-friendly: Easier to operate than most other boats
• Low maintenance: Outboard engines and simple hull design simplify upkeep
• Safe and versatile: Great for fishing, cruising, or relaxing

Cons of Pontoon Boats

• Limited speed: Not built for waterskiing or wakeboarding
• Exposure: Open decks mean less protection from weather
• Storage challenges: Their width can make trailering and storage trickier

What to Avoid When Buying a Pontoon Boat

When buying a pontoon boat, it’s important to avoid models that are too large or too small for your intended use—consider how many passengers you’ll typically host, where you’ll be boating, and how easy the boat will be to transport and store.

Additionally, be sure to keep long-term costs in mind, including fuel, maintenance, and insurance, as these factors can significantly affect your total investment over time. It’s also paramount to review the warranty details and the dealer’s reputation to ensure you’re getting reliable coverage and service support if issues arise.

Just like with cars, whenever possible, take the boat for a test drive before purchasing—an invaluable opportunity to test handling, comfort, and spot any potential problems that might not be noticeable on the lot.

Tips for Buying the Right Pontoon Boat

Evaluating your specific needs and selecting a pontoon boat model that aligns with them is the best way to ensure you end up with a vessel you’ll truly enjoy. Key considerations include your budget, how you plan to use the boat—whether for leisure, fishing, or entertaining—and the amount of storage space available for both the boat and its accessories:

• Define your purpose: Determine whether you’ll primarily use the boat for cruising, fishing, or entertaining, as this will guide the features and layout you need.
• Match size and horsepower to usage: Choose a boat size and engine power that can comfortably handle your typical passenger load and intended activities.
• Think about towing: Ensure your boat is equipped with proper towing points in case you become stranded on the water.
• Budget for maintenance and insurance early: Plan for ongoing expenses like engine upkeep, seasonal maintenance, and insurance to avoid surprises after purchase.
• Plan for customization and accessories: Think ahead about any upgrades or equipment—like fishing gear, sound systems, or sun shades—you may want to add to maximize enjoyment.

Protecting Your Pontoon with GEICO Boat Insurance

GEICO is the preferred insurer for pontoon boat owners nationwide, providing an unmatched combination of extensive coverage, affordability, and dedicated customer support. With flexible plans, GEICO lets you include everything you need—and nothing you don’t—so you can stay properly protected while enjoying time on the water.

GEICO boat insurance covers:

• Physical damage: Protection for your boat in case of collisions, accidents, or other damage.
• Theft/vandalism: Coverage if your boat or equipment is stolen or intentionally damaged—special theft deductible applies.
• Liability: Financial protection in the event you’re responsible for injury or property damage to others.
• On-water assistance: With GEICO Marine for your boat and optional towing coverage through BoatUS, you can access support services for emergencies such as breakdowns, towing, or fuel delivery while on the water.

GEICO also partners with BoatUS, the nation's largest group of recreational boat owners, to ensure you’re backed by a partnership with over 50 years of experience in making boating safer and more enjoyable

If you're looking for affordable boat insurance that doesn't compromise on coverage, GEICO and BoatUS offer options tailored to fit your needs.

Get your free boat insurance quote today!

Final Thoughts

Owning a pontoon boat offers an exciting and family-friendly way to enjoy the water, whether for leisurely cruises, fishing trips, or entertaining friends and family. But before committing to a vessel, it’s important to carefully consider factors such as price, intended use, and storage capabilities to ensure you select a boat that fits your unique lifestyle and needs.

Prioritizing safety and protection is equally essential—from educating yourself through resources like the BoatUS Foundation’s Online Safety Course to securing well-rounded coverage with trusted providers like GEICO—so you can enjoy your time on the water with confidence.

Ready to make waves? Protect your pontoon with GEICO.