The Shore House could function as an complement, rather than a replacement to standard mainland houses and it could be available for future tropical civs, including Carib and Taino.
The difference or gimmick are:
Can be built along the shoreline.
Able to train Fishing Ships
Allows Fishing and Oyster Forager villagers to drop off resources there
I suggested houses that could be built on shallows for a Venetian-style civilization a long time ago. Simply make regular houses buildable on shores and in shallow water.
Main drawback would be you can wall off crossings with the houses or create bbottlenecks.