Go to a community lot, typically where ports are and find a pole that you can click on that will say "Purchase Vehicle" and buy whatever boat you want. It'll go straight into your sims inventory! I was confused too and it took me awhile to finally figure it out. Now I got a row boat for fishing, jet skii for fun and fast, and speed boat for speeeeeeeed. Enjoy your game! :DDDDDD Happy SIMMING!
