How are private boat docks covered by insurance?

If your boat dock is located at your residence, other structures coverage on your homeowners policy may cover damage to the dock from a covered peril. However, some insurance companies may consider docks that can be removed once boating season is over to be personal property instead of an actual structure on your property. In this case, personal property coverage may cover you up to your policy’s limit.

What damages to your dock are excluded from homeowners insurance?

Private docks are often exposed to potential hazards that can create a host of issues. Harsh winds, rain, and other weather-related perils increase the chances of your dock being damaged. While personal property coverage or other structures coverage may protect your dock against some of these dangers, certain damages won't be covered by your home insurance, such as:

  • Damage caused by freezing, thawing, or the pressure and weight of water and ice, whether driven by wind or not
  • Damage to your dock caused by a collapse unless the damage or loss is caused by a falling building or any part of the building
  • Damage due to flooding

Are seawalls covered by homeowners insurance?

Seawalls are essential means of protection for those who live in coastal areas. In Florida alone, hundreds of miles of seawalls act as retaining walls and may protect properties from erosion. Most homeowners insurance policies typically consider retaining walls and privately owned seawalls as detached structures and may provide coverage, depending on the cause of loss, against damage caused by fire, lightning, windstorms, hail, and vehicles.

Damages resulting from freezing or thawing may not be covered under homeowners insurance. Flooding, lack of maintenance, animal damage, and damage from a foundation settling are typically excluded.

How are marinas (public docks) covered by insurance?

If you decide to rent a dock or a pier at a marina, it typically won't be covered by your homeowners insurance. The marina owner is responsible for insuring the docks that they own.

Does flood insurance cover docks?

If a flood damages your dock, it likely won't be covered by flood insurance. The National Flood Insurance Program policy, which provides coverage for U.S. homeowners, typically doesn't cover the following:

  • Docks
  • Bridges
  • Piers
  • Bulkheads
  • Seawalls
  • Wharves

How are boat docks insured in Florida?

Florida is a hotspot for boaters, but insurance for a boat dock in Florida functions the same way as other states across the country. Dock losses resulting from a flood, wind-driven rain, weight of water, or collapse are all regularly excluded. However, damages from fire and lightning are typically covered under your home insurance policy if the dock is kept on your property.