Does insurance cover a boat dock?

Large slip docks with multiple owners would benefit from commercial policy coverage. This coverage best suits business purposes and protects against injuries and property damage during the dock’s use. When adding a boat dock to an existing policy, you'll consider several factors that may influence the type and level of coverage needed.

Do you need insurance for a removable dock?

A removable dock is insured as personal property. Some insurance companies offer dock insurance as a supplemental cover alongside your boat insurance. In most cases, they provide attractive discounts to make this bundled coverage appealing to boat owners who own private docks. You need commercial coverage if you rent out your dock to other boaters.

Does homeowners insurance cover a dock?

In many cases, homeowners can ensure coverage for their property through their homeowners' policy. However, if you’re renting a dock from a marina or other third party, expect the third party to have the property under their insurance.