Insurance Question of the Week

Posted by Lisa Nichols Jan 3, 2007

The Suite101 insurance question of the week comes from Jane:

Under my homeowner HO3 insurance policy is there coverage on my personal dock that collapsed due to weight of heavy snow? Is the dock covered under the dwelling or other structure?

Jane,

Typically, freezing, thawing, pressure, or weight of water or ice to a fence, pavement, patio, swimming pool, or dock are excluded from Homeowner’s policies. Also, a dock often has to be added on to a Homeowner’s policy with a special endorsement, or it might be insurable under a separate watercraft policy. Please check with your insurance company for specifics on your policy coverages.

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