Building Your Own Covered Boat Dock: A Step-By-Step Guide

Building a covered boat dock can be a challenging but rewarding endeavour. There are a variety of options available for those looking to build their own, from purchasing a DIY kit to designing and building a custom dock from scratch. The cost of building a boat dock can vary significantly depending on the materials used, with prices ranging from $5,000 to $200,000 for a floating dock and up to $500,000 for a permanent pier dock. When building a boat dock, it is important to consider factors such as water depth, wind and weather conditions, and the weight and size of the boats that will be using the dock. Additionally, insurance for boat docks is typically not included in general home insurance policies, so it is important to consider the additional costs of insuring your dock against potential damage.

Dock building kits

Building a boat dock can be a challenging endeavour, but with dock-building kits, the process can become a lot easier. These kits provide a convenient option for those who want to build their own dock, offering a range of customisation options and comprehensive instructions.

One company that offers dock-building kits is Tommy Docks, which provides a modular dock system with various standard configurations, including straight, L-shaped, T-shaped, and platform layouts. The kits come in different sizes, such as 8', 12', 16', and 24' options, and offer a choice of materials like cedar and aluminium. Tommy Docks also offers individual components for sale, such as decking panels and dock wheels, allowing for further customisation.

Another company, Outdoor Water Solutions, provides DIY Dock Packages that include plans, floats, and hardware. These kits are designed to make building a quality dock as easy as possible, supplying all the necessary connectors, bolts, nuts, and screws. While the customer still needs to purchase the wood separately, the company offers a range of accessories like gangways and swim platforms to complete the dock.

For those specifically interested in a floating dock, Dock Hardware offers floating dock kits in various sizes, from 4' x 10' up to 8' x 20'. Mac's Docks is another option, providing custom dock-building services and DIY dock kits. They cater to a range of dock styles, including single-level, double-decker, and roofed decks, ensuring that your dock suits your specific needs and lifestyle.

Lastly, Dock-It Launcher offers a unique kit focused on solo-launching and docking a boat. This kit includes components that simplify the process of launching and docking, making it faster and easier, especially for those who often find themselves alone during these tasks. The kit is designed to work with a variety of boats, including fishing boats, pontoons, and tritoons.

Dock design and planning

Planning a DIY covered boat dock is an exciting project, and there are many factors to consider when designing your dock. Firstly, you need to decide on the layout. If you are a seasonal dock owner, a stationary or wheel-in type dock is a good option. If your dock needs to withstand changing water levels, a floating dock is more suitable.

Dock Design Factors

• Number of boats: Determine the average number of boats that will be anchored to the dock.
• Furniture placement: Consider the furniture you plan to place on the dock and allow for 2-3 feet of extra space around these items.
• Activities: Think about how you will use the dock. Will it be for fishing, diving, or entertainment?
• Sun exposure: Assess whether the dock will be in shade, partial sun, or full sun.
• Water depth: Evaluate the depth of the water around the dock to determine if a railing is necessary for safety.
• Submersion: Decide if any part of the dock needs to be submerged in water and consider the durability of the materials used.
• Local regulations: Research any local town or municipal coding requirements or permits needed for building the dock.

Dock Materials

The two main materials for docks are wood and composite decking, each with its own advantages and disadvantages. Wood decking offers a natural look and is often environmentally friendly, but it requires regular maintenance and will eventually deteriorate. Composite decking, on the other hand, is more modern and sleek, requiring less maintenance. It is resistant to moisture and can last up to 25-30 years. However, some people find that it feels hotter to the touch than wood.

Dock Accessories and Features

To enhance your dock, you can add various accessories and features:

• Lighting: Custom accent lighting, such as underwater lights or motion-activated LEDs, can improve the aesthetics and functionality of your dock.
• Seating: Built-in seating using modified wood boards can provide comfortable and cost-effective spaces to relax and enjoy the view.
• Hammock or swing: Suspend a hammock or swing seat from an awning to create a fun and relaxing space with a view of the water.
• Boathouse: Constructing a boathouse with a stylish roof can provide functionality and luxury, offering space for boat lifts and additional storage.
• Two-story design: Adding an upper story can provide a shaded lower level for mooring and boarding, while the top deck becomes an excellent spot to relax and enjoy the scenery.
• Accessories: Include dock accessories like a rod holder and fish cleaning table for fishing enthusiasts, or a ladder for easy access in and out of the water.

Dock materials

The materials you choose for your covered boat dock will depend on your budget, the climate, and how much maintenance you're willing to take on.

Pressure-treated pine wood is a popular and affordable option for dock framing. It's a good choice for those on a budget, but keep in mind that it will require annual maintenance and will eventually need to be replaced.

For a longer-lasting option, consider an aluminum frame. Aluminum docks are easy to install and have excellent longevity. They are also a good choice if you want to avoid regular maintenance.

If you're set on a wooden dock, decking is typically made from 5/4 x 6 cedar boards. You can also opt for a cedar frame with cedar decking, which is available in both assembled and unassembled kits.

Another factor to consider is whether you want a floating dock or a stationary dock. Floating docks are more complex to build and require specialized hardware and materials to ensure buoyancy. Stationary docks, on the other hand, are generally more straightforward but may require more bracing and ground legs to withstand water pressure and deeper water depths.

In terms of roofing materials, you'll want to choose something that can withstand high winds and heavy rain. While some boat docks have open roofs, others are fully covered to provide more protection from the elements. Consider the weather conditions in your area when selecting roofing materials to ensure your covered boat dock can withstand strong winds and precipitation.

Finally, don't forget to think about dock accessories, such as bumpers, benches, ladders, and storage boxes. These additions can enhance the functionality and safety of your dock.

Dock insurance

If you're thinking of building a covered boat dock yourself, it's important to consider dock insurance to protect your investment. Here are some key things to know about dock insurance:

Coverage Under Home Insurance

If your boat dock is located at your primary residence, it may be covered under your home insurance policy, specifically under "other structures coverage". This typically includes protection against damage caused by covered perils such as fire, lightning, windstorms, and hail. However, it's important to note that some insurers may consider removable docks as personal property, in which case personal property coverage under your home insurance may apply. Check with your insurance provider to understand your specific policy and its limitations.

Exclusions and Limitations

Additional Coverage Options

If you want more comprehensive coverage for your boat dock, some insurance companies offer the option to add dock coverage to your policy. This can provide protection for permanent docks and may cover damage caused by freezing, thawing, pressure, or the weight of water or ice. This additional coverage can give you peace of mind and ensure that you're protected in case of any unforeseen events.

Understanding Your Policy

It's important to carefully review your insurance policy to understand the specific coverages, exclusions, and limitations. Dock insurance can vary from company to company, so it's always a good idea to consult with your insurance agent to ensure you have the right coverage for your needs. They can guide you through the ins and outs of your policy and help you make informed decisions about any additional coverages that may be beneficial for your covered boat dock.

Dock maintenance

Cleaning

To keep your dock in good condition, it is important to clean it regularly. Use a garden hose with a mild, environmentally-friendly soap to remove debris or algae. Avoid using a pressure washer, as this can chip away at the deck material and splinter wood. For more stubborn stains, use a soft-bristle brush and a mild detergent, or a pressure washer on a low setting.

Regular Inspections

Check your dock for any signs of deterioration, including warped planks, damaged handrails, and rusty hardware. Inspect the structural integrity, and check bolts, screws, and nails for tightness and corrosion. It is recommended to do this quarterly to prevent safety issues.

Sanding and Staining

Look for areas of the dock that need attention, and sand and stain to repair loose spots. Always sand before staining, and use a marine-friendly stain designed for dock repairs. You can also add a sealant for extra protection.

Covering

If you live in an area with cold winters, cover your dock for the season. Use a tarp or plastic sheet and fasten it securely. This may be a two-person job.

Dock Lines

Invest in chafe protection for your dock lines, which are useful for keeping boats attached to the dock in harsh winters. Replace these every two to three years.

Anti-Slip Coatings

To enhance safety, apply anti-slip coatings to your dock. These coatings provide additional traction and reduce the risk of slipping, especially in wet conditions.

Dock Type Maintenance

Depending on your dock type, specific maintenance may be required. For example, aluminum docks should be rinsed with fresh water to remove salt and debris, and composite docks should be cleaned with mild detergent and water.

Frequently asked questions