Boat House on Property Leased from Utility Company

August 11, 2016

We insure several lake houses on a lake in North Carolina owned by Duke Energy. The boat houses and docks are on grounds owned by Duke and leased by the homeowners. Is the boat house insured as an other structure or should we be adding other structures away from the residence premises endorsement? Can Duke Energy be added as an additional insured to the homeowners policy? Duke is requiring proof of $300,000 of coverage. If we add Duke, does this cover the leased premises automatically, or do we need the other structures away from residence premises endorsement?

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