{"id":4766,"date":"2016-04-15T11:03:47","date_gmt":"2016-04-15T11:03:47","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4766"},"modified":"2016-04-15T11:03:47","modified_gmt":"2016-04-15T11:03:47","slug":"sooo-is-my-boat-dock-covered-by-my-homeowners-or-condo-owners-policy","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/sooo-is-my-boat-dock-covered-by-my-homeowners-or-condo-owners-policy\/","title":{"rendered":"Sooo\u2026.Is my boat dock covered by my Homeowners or Condo Owners Policy?"},"content":{"rendered":"

In Florida, many times homes and condos are sold with a boat dock deeded with the property purchase. Many times the boat dock is not directly connected to the \u201cresidence premises. In these cases, the owner should be concerned about the \u201cproperty exposure\u201d and the \u201cliability insurance\u201d.<\/p>\n

Typically, docks are covered for property damage under Coverage B of the Homeowners and Condo Owners Policy. Coverage B is for \u201cother structures on the residence premises\u201d.<\/strong> When the dock is attached to the residence premises, it is covered under Coverage B. When the dock is not attached, it should be added by endorsement, Coverage B-Off premises or Specific Structures Away From the Premises.<\/strong> <\/p>\n

\u201cThe dock will not be covered for Hurricane or Flood damage\u201d<\/strong><\/p>\n

But it would be covered for Other Perils stated in policy for Coverage B-Other Premises Structures.<\/p>\n

In any case, be careful of values for docks. Coverage B has a limit of 10% of the home insured value. In some cases, this may not be adequate.. For a home insured for $300,000. , the dock and other structures would be insured for $ 30,000. Discuss boathouses, davits, and values with your insurance agent.<\/p>\n

Your Homeowner or Condo Owner Liability Coverage<\/strong> should extend to your deeded dock, however, in the case of the \u201coff premises dock\u201d, we recommend that you include the following wording in the declarations page of your policy. Wording such as \u201c1234 Main Street, Anytown, Florida including boat dock deeded to insured\u201d . Again discuss with your agent.<\/p>\n

Be very careful if you rent your dock to others. There is no way to cover this liability exposure under the Homeowners or Condo Owners Policy, it becomes a Commercial insurance exposure that is very difficult to insure. You will probably be self insuring the exposure\u2026Not a good idea.<\/p>\n

Questions\u2026Call SWFL Insurance Agency, Inc., \u201cYour Insurance Answer People\u201d
\n800.829.5270<\/a>
\ninfo@swflagency.com<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

In Florida, many times homes and condos are sold with a boat dock deeded with the property purchase. Many times the boat dock is not directly connected to the \u201cresidence premises. In these cases, the owner should be concerned about the \u201cproperty exposure\u201d and the \u201cliability insurance\u201d. Typically, docks are covered for property damage under Coverage B of the Homeowners and Condo Owners Policy. Coverage B is for \u201cother structures on the residence premises\u201d. When the dock is attached to the residence premises, it is covered under Coverage B. When the dock is not attached, it should be added by endorsement, Coverage B-Off premises or Specific Structures Away From the Premises. \u201cThe dock will not be covered for Hurricane or Flood damage\u201d But it would be covered for Other Perils stated in policy for Coverage B-Other Premises Structures. In any case, be careful of values for docks. Coverage B has a limit of 10% of the home insured value. In some cases, this may not be adequate.. For a home insured for $300,000. , the dock and other structures would be insured for $ 30,000. Discuss boathouses, davits, and values with your insurance agent. Your Homeowner or Condo Owner Liability Coverage should extend to your deeded dock, however, in the case of the \u201coff premises dock\u201d, we recommend that you include the following wording in the declarations page of your policy. Wording such as \u201c1234 Main Street, Anytown, Florida including boat dock deeded to insured\u201d . Again discuss with your agent. Be very careful if you rent your dock to others. There is no way to cover this liability exposure under the Homeowners or Condo Owners Policy, it becomes a Commercial insurance exposure that is very difficult to insure. You will probably be self insuring the exposure\u2026Not a good idea. Questions\u2026Call SWFL Insurance Agency, Inc., \u201cYour Insurance Answer People\u201d 800.829.5270 info@swflagency.com<\/p>\n","protected":false},"author":2,"featured_media":4767,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"In Florida, many times homes and condos are sold with a boat dock deeded with the property purchase","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"\nSooo\u2026.Is my boat dock covered by my Homeowners or Condo Owners Policy? 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