Openly offers coverage for boat docks located on the insured residence premises. How a dock is covered depends entirely on its construction, permanence, and its attachment to the waterbed.
Before binding or adjusting a policy, review the classifications below to ensure the property's limits are appropriately designated.
Boat Dock Classifications
Permanent Docks
Also referred to as standing or non-floating docks, these structures are fixed, permanent installations built on top of pilings that are secured directly into the ground beneath the water.
-
Policy Placement: Because these are permanent fixtures attached to the land, they are covered under Coverage B (Other Structures). Ensure your Coverage B limits adequately cover the structure's Replacement Cost.
Floating Docks
These are buoyant docks supported by flotation devices that rest freely on the water’s surface. This classification also applies to mobile, ramped, or modular docks that can be completely taken out of the water, stored for the winter, or rearranged.
-
Policy Placement: Because these structures are detached, mobile, or modular, they are classified as unattached movable items and are covered under Coverage C (Personal Property).
Adjusting Limits
Contact our Customer Experience Team to endorse the Coverage B or C limit for in-force policies via our webform or Live Chat.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.