Dock Insurance - SailNet Community

   Search Sailnet:

 forums  store  


Quick Menu
Forums           
Articles          
Galleries        
Boat Reviews  
Classifieds     
Search SailNet 
Boat Search (new)

Shop the
SailNet Store
Anchor Locker
Boatbuilding & Repair
Charts
Clothing
Electrical
Electronics
Engine
Hatches and Portlights
Interior And Galley
Maintenance
Marine Electronics
Navigation
Other Items
Plumbing and Pumps
Rigging
Safety
Sailing Hardware
Trailer & Watersports
Clearance Items

Advertise Here






Go Back   SailNet Community > Out There > Cruising & Liveaboard Forum
 Not a Member? 


Reply
 
LinkBack Thread Tools
  #1  
Old 02-24-2010
Junior Member
 
Join Date: Feb 2010
Location: Mystic, CT
Posts: 6
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
MysticKnotworkJill is on a distinguished road
Dock Insurance

My husband and I bought a 45' dock and plan on living there on our boat. We are having a really hard time finding insurance for it. Right now we have a rider on our homeowners, but we plan on selling our house, so that is not going to work long term.
Does anyone know how to insure a dock? There is no land attached to it, just a right of way so we can park. It does have a street address though.
__________________
Dreaming the life, but not living the dream...yet.
Reply With Quote Quick reply to this message Share with Facebook
  #2  
Old 02-24-2010
tager's Avatar
Senior Member
 
Join Date: Nov 2008
Posts: 991
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 7
tager is on a distinguished road
I just have to say that it is awesome that you bought a dock.
Reply With Quote Quick reply to this message Share with Facebook
  #3  
Old 02-24-2010
Senior Member
 
Join Date: Nov 2002
Location: New York
Posts: 5,823
Thanks: 0
Thanked 14 Times in 14 Posts
Rep Power: 15
bubb2 has a spectacular aura about bubb2 has a spectacular aura about bubb2 has a spectacular aura about
Quote:
Originally Posted by MysticKnotworkJill View Post
My husband and I bought a 45' dock and plan on living there on our boat. We are having a really hard time finding insurance for it. Right now we have a rider on our homeowners, but we plan on selling our house, so that is not going to work long term.
Does anyone know how to insure a dock? There is no land attached to it, just a right of way so we can park. It does have a street address though.
I would check back with your homeowners carrier. Your homeowner policy has 2 parts, personal liability and personal property (the house). Even though you sell the house you still need coverage for personal liability. (just in case you bake a bad cake for the PTA fund raser. ) This is usually done by a "renter's policy." They are already on the risk of the dock by rider. I would tell them you want a renter's policy when you sell the house and endorse (add a rider) it include the dock.
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Never Forgotten

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #4  
Old 02-25-2010
Senior Member
 
Join Date: Jul 2008
Location: chesapeake bay
Posts: 1,942
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 7
scottyt is on a distinguished road
maybe you could put the dock into a business. ie that rents out dock space, then you just get a policy for being a landlord. then you rent the space your boat uses, but you really pay yourself. this would allow you to rent out some space on the dock for an income too.
Reply With Quote Quick reply to this message Share with Facebook
  #5  
Old 02-25-2010
Banned
 
Join Date: Mar 2006
Location: subject to change
Posts: 1,264
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
eryka is on a distinguished road
Your boat policy may include damage to docks, or be able to be modified to cover that damage, just like if you were staying in a marina. but you might also assess whether you *need* dock insurance - what's the risk that you're insuring against? what would it cost to fix yourself, i.e., to self-insure? A couple of pilings and some treated lumber? I'm confused.
Reply With Quote Quick reply to this message Share with Facebook
  #6  
Old 02-25-2010
Senior Member
 
Join Date: Nov 2002
Location: New York
Posts: 5,823
Thanks: 0
Thanked 14 Times in 14 Posts
Rep Power: 15
bubb2 has a spectacular aura about bubb2 has a spectacular aura about bubb2 has a spectacular aura about
Quote:
Originally Posted by eryka View Post
Your boat policy may include damage to docks, or be able to be modified to cover that damage, just like if you were staying in a marina. but you might also assess whether you *need* dock insurance - what's the risk that you're insuring against? what would it cost to fix yourself, i.e., to self-insure? A couple of pilings and some treated lumber? I'm confused.
Slip and fall on the dock by a guest, is what I would be the most concerned about. Not just physical damage to the dock. There is more exposure here than just physical damage.
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Never Forgotten

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #7  
Old 02-25-2010
SVAuspicious's Avatar
Mermaid Hunter
 
Join Date: Oct 2006
Location: on the boat - Chesapeake
Posts: 3,984
Thanks: 0
Thanked 157 Times in 140 Posts
Rep Power: 9
SVAuspicious will become famous soon enough
It seems to me that the dock you own is personal property and inherently insurable, unless you only purchased right of exclusive use or some other odd legal concept. Try finding an insurance agent with some creativity and you should be able to get property and liability coverage.
__________________
sail fast and eat well, dave
S/V Auspicious
AuspiciousWorks.com
beware "cut and paste" sailors.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #8  
Old 02-25-2010
Junior Member
 
Join Date: Feb 2010
Location: Mystic, CT
Posts: 6
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
MysticKnotworkJill is on a distinguished road
Thank you everyone for the ideas. We do just want liability insurance in case someone hurts themselves. We are not so concerned about damage to the dock though you would be surprised about how much it costs to have a dock built. We did tear down the existing dock and are having a new one built to our specs.
__________________
Dreaming the life, but not living the dream...yet.
Reply With Quote Quick reply to this message Share with Facebook
Reply

Quick Reply
Message:
Options

By choosing to post the reply above you agree to the rules you agreed to when joining Sailnet.
Click Here to view those rules.

Register Now

In order to be able to post messages on the SailNet Community forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
Please note: After entering 3 characters a list of Usernames already in use will appear and the list will disappear once a valid Username is entered.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

 
Posting Rules
You may post new threads
You may post replies
You may post attachments
You may edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Pleasure boat insurance in Spain DonQuijotedelMar General Discussion (sailing related) 0 07-07-2006 03:56 PM
Docking with Grace and Skill Michelle Potter Learning to Sail Articles 0 06-24-2003 08:00 PM
Docking with Grace and Skill Michelle Potter Seamanship Articles 0 06-24-2003 08:00 PM
Docking with Grace and Skill Michelle Potter Gear and Maintenance Articles 0 06-24-2003 08:00 PM
The Right Insurer and the Best Policy Michael J Smith Buying a Boat Articles 0 06-03-1999 08:00 PM


All times are GMT -4. The time now is 10:18 PM.

Add to My Yahoo!         
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2015, vBulletin Solutions, Inc.
SEO by vBSEO 3.6.1
(c) Marine.com LLC 2000-2012

The SailNet.com store is owned and operated by a company independent of the SailNet.com forum. You are now leaving the SailNet forum. Click OK to continue or Cancel to return to the SailNet forum.