Does a Homeowners’ policy cover a boathouse?

It is in everyone's best interest not to leave potentially arguable coverage situations to the possible vagaries of policy form interpretation.

By Chris Amrhein | Updated on May 20, 2016

We have a term for those who sell insurance based upon personal opinion as opposed to skillful application of knowledge: Erors & Omissions defendants.

In a recent claims education class that I teach, I presented a case in which an insured was seeking coverage for a boathouse located on the end of a dock. The dock ran from the insured homeowner’s property out into a major river, and the boathouse was actually a utility building the insured had constructed for storing fishing tackle and boating equipment.

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