I would wait and take delivery (close the deal) in the spring when you can
test drive the boat. Plus, if it is new, the warrenty does not start until
you close the deal. Plus if you don't pick it up, you don't owe insurance
until you close the deal.
Even with an individual, I would sign papers stating down payment
conditional on test ride. That way he is still responsible for insurance.
Now, if from an individual and you need to do some work on the boat, then
this may factor in to your decision to get it where you can work on it.

Give a little more info and we can give a better opinion.

--
Tony
my boats and autos - http://t.thomas.home.mchsi.com


"David Ditch" wrote in message
...
I just put a down payment on a 26' cuddy.
Its in PA around Harrisburg.
It gets cold up there.
I can :
A: Leave the boat up there for free winter storage (shrinkwrapped)
B: Tow it to my sister's land in the woods in Central Virginia
(Shrinkwrapped or boat cover)

Any suggestions?

David