Hopefully this guide will help you calculate the maximum amount of H.P. your boat can be insured for.
– This is to only be used as a guide.
– You can round your final HP number to the closest multiple of 5. (31 HP would round to 30 HP. 33 HP would round to 35 HP)
Step One – Compute your Factor
A. Length of Boat x Transom Width (measure in feet: 14, 15.5,16, etc).
Step Two – Compare your factor to H.P. rating
A. 0-35 = 3 hp
B. 36-39 = 5 hp
C. 40-42 = 7.5 hp
D. 43-45 = 10 hp
E. 46-52 = 15 hp
Step Three – If your factor is over 52 (Choose only A or B)
A. With Remote Steering (steering wheel) and at least 20″ transom height
Maximum HP = (Your factor x 2) – 90
Example: 19′ 6″ long , 7 feet wide = (19.5 x 7 x 2) – 90 = 183 (Round up in multiples of 5. This boat’s max is 185 hp).
B. With Tiller Steering (hand or extension) or less than 20″ transom height (Choose only 1 or 2)
1. Flat bottom, or hard chined boats (hull has hard angles)
Max HP = (Your factor x 0.5) – 15
2. Soft chine, rounded hulls
Max HP = (Your factor x 0.8) – 25
Conclusion
I hope this has helped you all who are looking for max hp ratings. If your boat is insured, make sure to check with your insurance company for any restrictions.
This guide was found at NewBoatBuilders, which was ultimately used from “Title 33-Code of Federal Regulations-Subpart 183.53”.
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