This bill establishes regulations for constructing enclosed structures on private docks in Iowa, specifically for individuals holding a valid dock site permit and hoist or slip assignment. The enclosed structures must be made of rust-resistant materials, adhere to specific size limitations (no more than thirty feet wide and twenty feet above normal water elevation), and cannot contain plumbing or electricity unless compliant with building codes. Additionally, these structures are prohibited from being used for sleeping or habitation purposes.

Furthermore, the bill mandates that dock owners maintain liability insurance with a minimum coverage of $1 million for any enclosed structure built on their dock. The dock owner will be held liable for any damages caused by the structure. It also allows associations, defined as nonprofit corporations managing communities adjacent to public lakes, to create rules regarding the construction of such structures, even if they would typically be prohibited by the bill.