Weighing the Pros and Cons of Owning a Pontoon Boat

Is owning a pontoon boat the right move for you? To make an informed choice, it’s important to weigh the pros and cons of owning a pontoon boat against your personal needs. The market clearly shows a growing interest in these versatile vessels:

Whether you’re looking for ample space for family outings, easy handling, or a boat that fits your budget, understanding the pros and cons of owning a pontoon boat can help guide your decision. Many families now prefer boats that feel safe, spacious, and fun. As you consider your boating goals, keep in mind the advantages and disadvantages to find what matters most to you.

Key Takeaways

• Pontoon boats offer spacious, comfortable decks with seating for up to 13 people, making them ideal for family outings and social gatherings.
  

• These boats provide a smooth, stable ride and easy access, which benefits people of all ages, including seniors and those with limited mobility.

• Pontoon boats are versatile and customizable, allowing owners to add features like grills, sound systems, and fishing gear to fit their activities.

• Fuel efficiency is lower compared to other boats due to the pontoon design, so expect higher fuel use especially at faster speeds.

• Maintenance is straightforward but requires regular care like washing, engine checks, and protecting seats to keep the boat in good shape.

• Pontoon boats usually cost less to insure and offer a safe environment with stable design and high rails, which is great for families.

• They are slower and handle less sharply than other boats, and can be affected by wind and rough water, so they suit calm lakes better.

• Storage needs are larger due to their size, so plan for space at home or marina fees to keep your boat safe when not in use.

Pros and Cons of Owning a Pontoon Boat

When you start thinking about buying a boat, you probably want to know what makes one type better than another. That’s where the pros and cons of owning a pontoon boat come in. This section will help you see both the good and the not-so-good sides, so you can decide if this kind of boat matches your lifestyle.

Tip: Take a moment to picture how you want to use your boat. Do you see yourself relaxing with family, fishing, or maybe hosting a party on the water? Knowing your goals will help you weigh the advantages and disadvantages more easily.

Advantages of a Pontoon Boat

Pontoon boats have become popular for many reasons. You get lots of space, comfy seating, and a stable ride. Many families love them because they feel safe and easy to use. Recent stats show that triple tube (tritoon) pontoons can carry up to 13 people or almost 2,900 pounds, and they handle bigger engines—up to 300 horsepower. That means you can bring more friends and family along for the ride, and you can go faster or pull water toys with ease.

Some new pontoons even use solar power. The solar pontoon boat market is growing fast, with energy efficiency going up by 20% thanks to smart solar panels. If you care about the environment or want to save on fuel, this is a big plus.

You’ll also notice that some pontoons have special designs, like bigger center tubes, which make them more stable and easier to steer. These upgrades help the boat handle like a V-hull, so you get a smoother ride and better control.

Disadvantages of a Pontoon Boat

Of course, no boat is perfect. The pros and cons of pontoon boats include a few things you should think about before you buy. Some pontoons don’t go as fast as other boats, especially if you pick a basic model. Handling can feel different, too. In rough water, pontoons might bounce more or feel less steady than deep-V hull boats.

You might also notice that wind can push a pontoon around more easily because of its flat shape. Storage can be tricky if you don’t have a big garage or dock. Ongoing costs, like maintenance and insurance, add up over time. Some people find that the resale value drops faster than with other types of boats.

Note: Every boat has its own set of pros and cons. The best way to know if a pontoon is right for you is to match these points to your own needs.

As you read the next sections, keep these points in mind. You’ll get a closer look at each advantage and disadvantage, so you can make the best choice for your boating adventures.

Advantages of Owning a Pontoon Boat

Space

Deck Area

When you step onto a pontoon boat, the first thing you notice is the wide, open deck. You get plenty of space to move around, set up chairs, or even bring coolers and water toys. This roomy layout makes it easy to host family gatherings, birthday parties, or just a relaxing afternoon on the water.

Industry data shows that the popularity of pontoon boats keeps rising. In 2018, over 56,000 pontoon boats sold in the U.S., and experts say this growth comes from the extra deck space and flexibility these boats offer. Whether you pick a smaller model for easy handling or a larger one for big groups, you’ll find a size that fits your needs.

Seating

You never have to worry about running out of seats on a pontoon boat. Most models come with comfortable seating for everyone. Some boats even fit up to 13 people, so you can invite friends, neighbors, or the whole family. The seats are usually padded and arranged to encourage conversation. You can stretch out, relax, or even take a nap while floating on the water.

Tip: If you want to bring along grandparents or young kids, the easy access and roomy seating make everyone feel welcome.

Comfort

Ride Quality

A pontoon boat gives you a smooth and stable ride, especially on calm lakes and rivers. The wide base and two large pontoons help the boat glide across the water. You won’t feel much rocking or bouncing, so you can walk around or stand up without losing your balance. This makes your boating experience more enjoyable, whether you’re fishing, sunbathing, or just cruising.

Accessibility

Getting on and off a pontoon boat is simple. The flat deck sits close to the water, and many models have gates or ramps. This design helps people of all ages and abilities board safely. Seniors and those with limited mobility often find pontoons easier to use than other boats. You can even bring a stroller or wheelchair on board without trouble.

Stability

Smooth Ride

One of the biggest advantages of a pontoon boat is its stability. The wide beam and buoyant pontoons keep the boat steady, even when people move around. You can stand up, dance, or play games without worrying about tipping. This stability is perfect for families with kids or anyone who wants to feel safe on the water.

• The two large pontoons provide strong support and balance.

• The boat glides smoothly across calm water.

• You get a steady platform for fishing, swimming, or relaxing.

Safety

Safety matters when you’re out on the water. Pontoon boats offer a secure environment because of their stable design. The high rails and flat deck help prevent slips and falls. Many families choose pontoons because they feel safer for children and older adults. The sturdy construction and reliable materials add another layer of protection, so you can focus on having fun.

Note: Stability and safety go hand in hand. When you want peace of mind, a pontoon boat delivers both.

Versatility

Activities

You can use a pontoon boat for almost any activity you imagine on the water. Want to fish in the morning and host a party in the afternoon? No problem. The flat, wide deck gives you space to move around, set up fishing gear, or lay out snacks for your friends. You can swim, sunbathe, or even pull a tube behind the boat for some water fun. Many families love pontoons because they feel safe and stable, even when kids run around or jump in for a swim.

• You can fish from special fishing chairs or use built-in live wells.

• Some models have tow bars for watersports like tubing or wakeboarding.

• You can relax on wrap-around seating or enjoy a meal at a pop-up table.

• Some pontoons even have water slides or grills for extra fun.

Tip: If you want a boat that can do it all, a pontoon gives you the flexibility to switch activities without hassle.

Customization

Pontoon boats stand out because you can make them your own. You get to choose the features that matter most to you. Want a built-in grill for cookouts? You can add one. Need a sound system for music? Many models offer high-quality speakers and Bluetooth. If you love fishing, you can add rod holders, tackle trays, and live wells. Some pontoons even come with water slides or special lighting for nighttime cruises.

• Add a ski tow bar for watersports.

• Upgrade to plush seating or sun loungers.

• Install a canopy for shade or LED lights for style.

• Choose from different floor plans to match your favorite activities.

You can pick a simple, easy-to-clean setup or go all out with luxury features. This level of customization means your pontoon boat can grow with your family or change as your hobbies change.

Fuel Efficiency

Pontoon boats give you a lot of space and comfort, but they use more fuel than some other boats. The shape of the pontoons creates more drag in the water, so you need a bigger engine to go fast. For example, a 150 HP engine on a pontoon can reach about 39 to 41 MPH, but it will use more gas than a similar engine on a monohull boat. Monohull boats have a sleeker shape, so they glide through the water with less effort.

• Fuel use depends on your speed, the size of your engine, and how much weight you carry.

• You can use online calculators to estimate your fuel costs before each trip.

• Choosing the right engine and propeller can help you save some fuel, but the hull shape matters most.

If you plan to cruise at slow speeds or carry a lot of people, you might notice you stop for gas more often than your friends with other boat types. Still, many boaters feel the extra comfort and space are worth it.

Note: If you want to save on fuel, try to keep your speed steady and avoid carrying too much extra weight.

Maintenance

Taking care of a pontoon boat is not hard, but you need to keep up with regular tasks. Most owners spend about 5% to 10% of the boat’s value each year on maintenance. You should wash your boat after every outing, especially if you use it in saltwater. Protect the seats and covers from the sun to keep them looking new. Check the engine, change the oil, and look at the spark plugs and gearbox. Don’t forget to inspect the pontoons for dents or signs of wear.

You will find that easy cleanup and maintenance is one of the big advantages of owning a pontoon boat. Most surfaces are simple to wipe down, and you can reach every part of the deck without trouble. If you keep up with small tasks, your boat will stay in great shape for years.

Tip: Set a reminder to check your boat before and after each trip. A little care goes a long way!

Storage

You might wonder where you’ll put all your gear when you head out on the water. Pontoon boats make storage simple. You get lots of clever spots to stash your things, so you never feel crowded. Under the seats, you’ll find roomy compartments for life jackets, towels, and snacks. Some models even have storage built into the floor or in the space between the pontoons.

• Designers use the area between the pontoons for holding tanks or extra storage compartments.

• The size and shape of the pontoons help decide how much weight and gear you can safely bring.

• You can estimate how much your boat can hold by looking at the size and volume of the pontoons.

You don’t have to leave anything behind. Bring your fishing rods, water toys, or picnic baskets. Everything has a place, so your deck stays neat and open for fun.

Family-Friendly

If you want a boat that’s truly fit for the whole family, a pontoon is hard to beat. The boating industry even has a special category called “Family-Fun Pontoon.” That means these boats are built with families in mind. You get a wide, flat deck where kids can play and adults can relax. The seats are soft and safe, and there’s plenty of room for everyone to spread out.

Manufacturers add features like easy-access gates, swim ladders, and shaded areas to keep everyone comfortable. You can bring grandparents, toddlers, and even the family dog. The design makes it easy to move around, so you don’t have to worry about anyone tripping or slipping. Whether you’re fishing, swimming, or just cruising, everyone gets to join in the fun.

Insurance

You might think boat insurance costs a lot, but pontoon boats usually come with lower premiums. Insurance companies see pontoons as a safer bet than speed boats or luxury yachts. They use new technology and data to set fair prices, so you pay for the coverage you need.

You get peace of mind without breaking the bank. That means more money left over for snacks, fuel, or your next family adventure.

Disadvantages of Owning a Pontoon Boat

Speed

You might love relaxing on the water, but if you want to go fast, a pontoon boat may not be your best choice. These boats have improved a lot over the years, but they still can’t match the speed of many other types. The design of the pontoons and the weight of the boat limit how quickly you can zip across the lake.

Take a look at how engine power affects speed:

Most modern pontoon boats reach speeds between 30 and 60 mph. Factors like hull design, engine size, and how many people you bring along all play a role. Even with a powerful engine, you may not get the same thrill as you would from a speedboat. If you dream of racing across the water, this is one of the main disadvantages.

Tip: If you mostly want to cruise, fish, or relax, speed may not matter much. But if you love water sports that need high speeds, you might want to look at other boats.

Handling

Handling feels different on a pontoon boat compared to other boats. The flat deck and wide shape make it stable, but they also make sharp turns harder. You might notice that steering feels less responsive, especially at higher speeds or when you try to make quick moves.

• Turning a pontoon boat takes more space than a V-hull boat.

• You may feel some sliding or drifting in tight corners.

• Docking can be tricky on windy days because the boat catches more wind.

If you’re used to boats that turn on a dime, you’ll need to adjust your expectations. Pontoon boats are built for comfort and stability, not for quick maneuvers. This can be a disadvantage if you want a sporty ride or need to navigate crowded marinas.

Rough Water

Pontoon boats shine on calm lakes and rivers, but rough water brings challenges. The flat bottom and wide deck can cause the boat to bounce or slap against waves. You might feel more rocking and splashing than you would on a deep-V hull boat.

Researchers have tested how pontoons handle waves. They found that adding special frames or shapes can help the boat ride smoother, but these upgrades often cost more. Dual pontoon systems do better than single ones, and some new designs use truss structures or wedge shapes to improve wave handling. Still, when the water gets choppy, you may notice:

• More bouncing and spray on windy days.

• The need to slow down to stay comfortable.

• Extra care needed with mooring, since rough water increases the forces on your boat.

Note: If you plan to boat on big lakes or in places where storms pop up, think about how often you’ll face rough water. Some boats handle waves better than others, so this is an important point to consider when looking at the disadvantages of a pontoon boat.

Ongoing Costs

Owning a pontoon boat means you need to plan for more than just the price tag. You will face regular expenses every year. These costs can add up quickly, so it’s smart to know what to expect before you buy.

Here’s a breakdown of the most common ongoing costs:

You will spend money on things like insurance, storage, and fuel. Even simple tasks like cleaning and polishing need special products. These can cost about $30 each time. Every season, you should check your fuel filters, spark plugs, and look for rust or damage. If something breaks, repairs might be covered by insurance, but sometimes you pay out of pocket.

• Cleaning and polishing supplies

• Seasonal engine checks and part replacements

• Insurance premiums that change with your coverage

• Storage fees, which can be higher in busy areas

• Fuel, which depends on how often you use your boat

Most owners spend anywhere from a few hundred to several thousand dollars each year. If you skip regular maintenance, you might face bigger repair bills later. Planning for these expenses helps you avoid surprises and keeps your boat running smoothly.

Tip: Make a budget for your boat. Add up all the yearly costs so you know what to expect. This will help you enjoy your time on the water without stress.

Engine Noise

Pontoon boats can be noisy, especially when you run the engine at higher speeds. The sound comes from the engine and sometimes from the water splashing against the pontoons. If you like quiet trips, this can be a problem.

Noise levels on boats are measured in decibels (dBA). Most states set limits for how loud a boat can be. For example, many places say your boat should not be louder than 86 to 90 dBA when sitting still. At the shoreline, the noise should stay below 75 dBA. These rules help keep lakes and rivers peaceful for everyone.

You might notice that some engines are louder than others. Inboard engines can reach up to 110 dBA in the engine room. For a comfortable ride, you want the noise to stay around 75 dBA. This lets you talk with friends and relax without shouting.

Some states, like California, have strict rules and fines for loud boats. If you plan to boat in different places, check the local laws. Using a good muffler or underwater exhaust can help lower the noise.

Note: If you want a peaceful day on the water, ask about engine noise before you buy. Try to test the boat and see if the sound level feels right for you.

Wind Resistance

Pontoon boats have a flat, wide shape. This makes them stable, but it also means they catch more wind. On breezy days, you might find it harder to steer or dock your boat. The wind can push your boat sideways or make it drift away from the dock.

• You may need to use more power to keep your boat on course.

• Docking can take longer, especially if you are alone.

• Anchoring in windy weather can be tricky.

If you boat in areas with lots of wind, this is something to think about. Some owners add extra fenders or use special anchors to help. Still, wind resistance is one of the disadvantages you should consider before buying a pontoon boat.

Tip: Practice docking and steering on windy days. The more you practice, the easier it gets to handle your boat in tough conditions.

Wake Shape

When you drive a pontoon boat, you might notice the wake looks different from other boats. Pontoons create a flatter, wider wake. This shape comes from the way the pontoons sit in the water. The boat pushes water out to the sides instead of making a tall, narrow wave behind it.

If you love water sports like wakeboarding or water skiing, this can be a problem. The wake from a pontoon boat usually does not have the height or shape you need for big jumps or tricks. Tubing is still fun, but you will not get the same thrill as you would behind a ski boat.

• The wide, flat wake is gentle for swimming and floating.

• You will not see big waves for surfing or jumping.

• Some newer tritoon models improve the wake a little, but they still cannot match sport boats.

Tip: If you want to do serious wake sports, you might want to try a boat made for that purpose. Pontoons are great for relaxing, but not for making big waves.

Storage Needs

Owning a pontoon boat means you need a place to keep it when you are not on the water. These boats are wide and long, so they take up more space than many other types. You cannot always fit a pontoon in a standard garage. Some people rent a slip at a marina, while others use a boat lift or a covered storage lot.

Here are some things to think about:

• You may need a trailer and a large driveway if you want to store your boat at home.

• Marinas charge monthly or yearly fees for slips and storage.

• Covered storage protects your boat from sun and rain, but it costs more.

• Winter storage is important in cold climates to prevent damage.

If you do not have enough space at home, plan for storage costs in your budget. Good storage keeps your boat in better shape and helps it last longer.

Resale Value

When you buy a pontoon boat, you probably want to know how well it will hold its value. Many factors affect resale value. The age and condition of your boat matter a lot. If you keep your boat clean and fix problems quickly, you will get a better price when you sell.

You can use online tools like NADAguides, Boat Trader Price Checker, or BoatCrazy to see what similar boats sell for in your area. These sites look at recent sales and help you set a fair price. The make and model of your boat also play a role. Some brands are known for quality and hold their value better

• Boats with new electronics or a recently replaced engine often sell for more.

• Damage, like hull repairs or worn seats, can lower the price.

• Where you live makes a difference. Boats in high-demand areas or warm climates usually sell faster and for more money.

• If you include extras like a trailer or outboard motor, you can ask for a higher price.

• A professional marine surveyor can check your boat and give you a report. This helps buyers trust the value.

Most pontoon boats keep their value well if you take care of them and choose a good brand. Before you sell, check local listings to see what similar boats are worth. This helps you get the best deal and avoid surprises.

Who Should Consider Owning a Pontoon Boat

Ideal Users

You might wonder if a pontoon boat fits your lifestyle. Let’s look at who usually enjoys these boats the most. Families with kids and pets love the wide, flat decks and safety rails. You get plenty of room for everyone to move around, and you don’t have to worry about anyone falling overboard. If you like to invite friends for a day on the water, you’ll appreciate the comfy seating—some say it feels just like your living room.

People who value versatility also find pontoons appealing. You can cruise, fish, swim, or just relax. If you or someone in your family needs easy access, pontoons offer wide gates and even wheelchair-friendly captain’s seats. Safety-conscious boaters enjoy the stable design, which makes these boats a good choice for all ages.

Here’s a quick look at who often owns pontoon boats:

If you see yourself in any of these groups, a pontoon boat could be a great match for your next adventure.

Activity Preferences

Think about what you want from your boating experience. Do you picture yourself cruising with friends, fishing in the morning, or swimming off the back deck? Pontoon boats shine when it comes to relaxing, entertaining, and spending time with family. The flat deck and stable ride make it easy to set up snacks, play games, or just enjoy the view.

• Love fishing? Many pontoons come with rod holders, live wells, and special fishing seats.

• Want to host a party? You’ll find plenty of space for coolers, music, and even a grill.

• Like swimming? The low deck and swim ladder make getting in and out of the water simple.

If you dream of high-speed water sports like wakeboarding or skiing, you might find these boats less exciting. They work best for tubing or gentle rides, not for big jumps or tricks. Comfort features like shade canopies, soft seats, and lots of storage make every trip more enjoyable.

Tip: If you want a boat that does a little bit of everything, a pontoon is like a “Swiss Army Knife” on the water.

When to Consider Other Boats

Sometimes, another type of boat might suit you better. If you crave speed, sharp turns, or plan to boat in rough water, you may want to look at deck boats or bowriders. These boats handle waves and tight corners better because of their hull shape. Deck boats have V-hulls that help them turn quickly and ride smoothly in choppy water.

• Bowriders work well for bigger waves and offshore trips.

• Deck boats and tritoons offer more agility and can handle higher speeds.

• If you want to do serious wake sports, a sport boat or ski boat will give you the right wake and power.

Pontoon boats need more horsepower to go fast and have a wider turning radius. Hydraulic steering helps, but you won’t get the same sporty feel as with other boats. If you plan to boat on large lakes or in windy areas, think about how often you’ll face rough water.

Note: The best boat is the one that matches your favorite activities and makes every outing fun and safe.

When you weigh the pros and cons of owning a pontoon boat, think about what matters most to you. Prices may rise as demand grows and new features appear, so plan your budget carefully. Boats now offer more customization, eco-friendly options, and advanced technology. Before you decide, try a test ride, talk with a dealer, or make your own list of pros and cons of owning a pontoon boat. The best boats fit your lifestyle and bring you joy every time you head out on the water.

FAQ

How hard is it to maintain a pontoon boat?

You can keep your pontoon boat in good shape with regular cleaning and simple checks. Wash the deck, check the engine, and look for damage. Most owners find maintenance easy if they stay on top of small tasks.

Can you use a pontoon boat in saltwater?

Yes, you can take your pontoon boat into saltwater. Rinse it with fresh water after each trip. Salt can cause rust and damage, so regular cleaning helps your boat last longer.

Are pontoon boats safe for kids and pets?

Pontoon boats offer a flat deck and high rails, which help keep kids and pets safe. You get plenty of room to move around. Always use life jackets for extra safety.

How fast can a pontoon boat go?

Most pontoon boats cruise at 20–30 mph. Some models with bigger engines can reach 50 mph or more. If you want to go faster, look for a tritoon with a powerful motor.

What kind of storage do you need for a pontoon boat?

You need a large driveway, a marina slip, or a covered storage lot. Pontoon boats take up more space than smaller boats. Covered storage protects your boat from sun and rain.

Is insurance expensive for pontoon boats?

Insurance for pontoon boats usually costs less than for speedboats. Many companies offer discounts for safe boating and good maintenance. You can expect to pay between $200 and $600 per year.

Can you fish from a pontoon boat?

You can fish from a pontoon boat with ease. Many models have fishing seats, rod holders, and live wells. The stable deck gives you plenty of space to cast and move around.