Donât need to borrow money? Plan to self-insure? Have the boat surveyed anyway. That is truly the only way to know what you are buying. Jolaine Lanehart, Texas resident and long-time boat owner, writes, âLook into every nook, turn every knob, sniff every corner, feel every thru hull, and turn the thing inside out – new paint, air freshener, a thin coat of veggie oil, and âromanticâ lighting can hide some really big problems that you wonât see or smell until itâs way too late.â