Dock & Property Insurance
Dock & property insurance protects the physical waterfront infrastructure of your marina — floating and fixed docks, piers, gangways, pilings, fuel docks, and bulkheads — against storm, fire, and other covered perils.
Dock & Property Insurance for Marinas
Your docks, piers, and waterfront structures are among the most valuable — and most exposed — assets you own. They sit directly in harm's way of wind, wave, storm surge, and named storms. Dock & property insurance covers the cost to repair or replace this infrastructure after a covered loss.
What's Covered
- Floating and fixed docks and the slips they create
- Piers, gangways, and bulkheads
- Pilings and mooring structures
- Fuel docks and waterfront fixtures
- Perils: Wind, fire, lightning, and (per policy terms) storm and catastrophe events
Storm & Named-Storm Exposure
Coastal and inland marinas face serious wind and storm-surge risk. Dock & property policies often carry named-storm or wind/hail deductibles that are higher than the all-other-perils deductible — sometimes a percentage of the insured value. Understanding these deductibles before a storm is critical to knowing your true out-of-pocket exposure.
Replacement Cost vs. Actual Cash Value
Dock structures depreciate, and an actual cash value settlement can leave a large gap between what you collect and what reconstruction actually costs. Where available, we pursue replacement-cost terms so a destroyed dock system is rebuilt without a crippling shortfall.
Catastrophe Planning Lowers Your Cost
Underwriters reward marinas with documented hurricane and storm-preparedness plans — haul-out procedures, dock-securing protocols, and debris management. A strong plan improves both your pricing and your odds of qualifying for adequate wind coverage.
What's Covered
Frequently Asked Questions
Often only partially. Waterfront structures like floating docks, piers, and pilings have unique storm exposure and are best insured under a dedicated dock & property form with appropriate wind and named-storm terms.
It's a separate, usually higher deductible — frequently a percentage of insured value — that applies when damage is caused by a named tropical storm or hurricane. Knowing it in advance is essential to understanding your real out-of-pocket cost after a storm.