Had my pool for two months and really getting into the swing of things. My son was going off to college and had a bunch of his friends over a couple of weeks ago. We have had a no diving policy and the kids adhered to that rule. However, every time time I heard the phrase "Hey watch this!" was followed immediately by single flips, double flips from the spa, from the fire pit, standing on shoulders, cannon balls, wrestling, etc, all the things any normal 18 year old newly graduated completely invincible feeling kid would do.
After about an hour of watching this with my heart in my throat I texted my insurance agent and increased the liability under my homeowners policy from $500K to a million bucks. My insurance agent suggested I get an umbrella policy as well. Do most people have that coverage as well when having a pool. I understand that the umbrella policy will cover anything that happens anywhere not just at my house like my homeowners policy.
I want to feel secure but I don't want to waste money by being over insured. Does anyone have any thoughts?