Home Insurance Exclusions: Pontoons & Jetties Explained

10 November 2025
|In Marine Liability

Are You Finding Home & Contents Insurers Will No Longer Cover the Liability for Private Pontoons & Jetties?

In recent years, more Australian homeowners have been surprised to learn that their home and contents insurance no longer automatically covers liability for private pontoons and jetties. These structures, once considered a standard part of waterfront living, now often fall into grey areas of insurance coverage leaving owners exposed to significant financial risk in the event of an accident or damage claim.

Why Are Insurers Excluding Pontoon & Jetty Liability?

Insurance companies have grown increasingly cautious about waterfront risks. Pontoons and jetties are subject to environmental wear, fluctuating water levels, and third-party access, all of which increase the likelihood of incidents such as:
  • Personal injury to visitors or contractors
  • Damage to neighbouring vessels or property
  • Structural failure caused by weather or water movement
Because of these risks, many standard home and contents insurers have removed liability coverage for these structures. This means homeowners could face out-of-pocket expenses for legal costs if something goes wrong.
If you’re unsure whether your existing home policy still provides this protection, it’s worth reviewing your cover. You can explore your options with an experienced home insurance broker who understands how to tailor policies to your property and lifestyle.

The Right Solution: Marine Liability Cover

For those who own private pontoons or jetties, a specialised marine liability policy can bridge this gap. This cover protects you from financial responsibility if a third party suffers injury or property damage arising from incidents linked to your pontoon or jetty.
A marine liability policy typically includes:
  • Coverage for injury to visitors or the public
  • Third-party property damage
  • Legal defence costs and settlement expenses
These policies are designed specifically for the unique exposures associated with marine structures. You can learn more about how this cover works on our marine liability insurance page.

Why It’s Worth Reviewing Your Coverage Now

Failing to update your insurance could leave you uninsured for claims that occur on or around your waterfront structures. By reassessing your home insurance and supplementing it with marine liability, you can ensure complete protection whether your jetty is used for private recreation, mooring a vessel, or guest access.
At Morgan Insurance Brokers, we help property owners secure comprehensive cover that reflects the realities of modern waterfront living. If your current insurer has stepped away from pontoon or jetty liability, we can help you find a competitive and reliable alternative.

Ready to protect your home and waterfront assets?

Contact our team today to discuss the right mix of home insurance and marine liability cover for your needs.