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This may only apply to a small number of individuals but thought I would at least pose the question. My floating dock is on an Army Corp controlled lake with access via a gravel community access road a 5 min walk from my primary residence. As part of my policy renewal I inquired if any damages would be covered under 'other structures' as part of my homeowners policy [should a tree fall] but they told me that while I am protected under liability coverage, any damage would not. When I inquired further as to whether a separate policy could be taken out on the dock they told me none of their partners offered such a program. Has anyone been able to take out a policy to protect their investments with a similar situation? When I pressed the insurance company that having a bill of sale for the dock couldn't that also fall under personal property, the agent still wouldn't bite.
I can't help but think spending 80k+ on a new floating aluminum dock without insurance would be a tough pill to swallow when writing that check if a tree fell on it later. I would think that with a lot of the lakes here in GA/southeast controlled by the CORPS, even if your dock backed up to a lakefront house, because you are technically leasing a spot on 'their' land no dock would ever be covered in the event of damage. Obviously the boat is covered under the marine policy regardless. Anyone inquired or had the unfortunate instance that this happened to them and can report results?
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