There is a common misconception that most boat accidents are caused by collisions with other boats. In reality, boats often collide with piers, docks, and other structures.

Will boat insurance cover damages if your boat hits a dock or pier? Let’s explore the details.

Does Boat Insurance Cover Collisions With Docks or Piers?

Boat insurance typically covers accidents involving docks or piers. However, coverage may not extend to all drivers or passengers. It’s important to review the specific language of your boat insurance policy, especially if you purchased it through Berks County Insurance. Policies often include details about whether individuals other than the policyholder are covered.

Additionally, some homeowners’ insurance policies may cover docks under their “other structures” coverage. However, seasonal docks and floating docks that are not permanently fixed may not be included in this coverage.

Understanding Policy Details and Accident Scenarios

Boat and watercraft owners should be aware of the nuances in coverage for accidents involving docks or piers. Many insurance providers offer the option to add a dock damage rider to the policy as an optional add-on.

You can also add coverage for high-value dock equipment if you own such items. Examples include GEM remotes and boat lifts.

Generally, if the damage occurs while the policyholder’s boat is mooring, docking, or launching, it is likely covered under the policy.

However, there are exceptions. For instance, if the policyholder was intoxicated or otherwise impaired at the time of the collision, coverage may not apply.

Contact Berks County Insurance Today

Located in Reading, PA, we offer comprehensive coverage and competitive rates. If you’re considering boat insurance, contact us at 610-779-9060 for a personalized quote.