Docks & boathouses
Dock, boathouse and boat lift insurance
Docks, boathouses and boat lifts are exposed to wind, surge and wave action, and homeowners policies often cover them only under a limited 'other structures' provision, if at all. Nymble places waterfront structure coverage; share what you have and an agent will review the options.
Questions to ask about waterfront structures
- Are docks, piers and boat lifts covered, and up to what limit?
- Do named storm or wind deductibles apply?
- What is excluded: surge, erosion, wave action, wear and tear?
- Is flood coverage available for the structure, and under what program?
Liability at the dock
Guests on a dock, or a neighbor's boat damaged at your dock, can create liability claims. Ask how liability on your property extends to the waterfront.
Coverage depends on the policy, the insurance company and underwriting approval.
Common questions
Does homeowners insurance cover a dock?
Sometimes, under other structures coverage with limits and exclusions. Read the policy wording and ask your agent.
Does flood insurance cover docks and boathouses?
Flood programs commonly exclude or limit structures over water. Ask your agent what applies to your structure.