Ownership
The model uses a higher insurance factor on the Gulf and in Florida, a Carolinas factor in NC and SC, and a Great Lakes factor with extra winterization in Michigan.
Insurance rates in this model are higher on the Gulf and South Atlantic than on the Great Lakes. Michigan storage includes a larger winterization allowance. Loan service uses simple-interest amortization.
Estimated monthly carrying cost
$7,578
About 11.97% of hull value per year before loan service (insurance, storage, and maintenance).
Annual total $90,935
Finance math
Annual ownership model on a $300,000 express cruiser: slip rent, insurance, fuel, yard labor, and reserve fund totals you can drop into a spreadsheet.
13 min read · Reviewed November 4, 2026 · FL, TX, NC, MI