Insurance & Diving Boards

[YippeeSkippy]

Moderator Note - Moved form this thread: Diving Boards


USAA never asked us if we had a diving board (we don't, but I sure wish we did! lol)

 

[tim5055]

Re: Diving Boards

USAA never asked us if we had a diving board (we don't, but I sure wish we did! lol)

Funny, USAA sent an inspector out to look at mine.

 

[Jaxcmc]

Re: Diving Boards

When I bought my house, Farmers said I had to take it out, along with all of the other Insurance companies we went to. We have a 40x20 with a 12 foot deep end, and it still didn't matter. I had always had USAA, but I live in Florida and when we moved they wouldn't cover the new house.

 

[bobby1017]

Re: Diving Boards

Farmers said I had to take it out, along with all of the other Insurance companies we went to. We have a 40x20 with a 12 foot deep end, and it still didn't matter.

My HO is Farmers also, strange how they have different rules for different locations.

 

[Swampwoman]

Re: Diving Boards

Wow, 12' and they all asked you to remove a diving board? I thank my lucky stars I've been fine so far with my 8.5 diving well. I actually think in some ways, having a diving board with a proper-sized well is safer than NOT. It clearly communicates WHERE to dive from...and visitors who don't get it are asked to kindly ONLY use the diving board. Side diving can be dangerous

 

[blbncsu]

A few years back when we were looking at building our pool I called USAA also as thats who we have to understand the potential costs...and as I recall from memory a few years old. I was expecting a huge "oh a pool" here is a super high rate or we won't cover such an item. They didn't ask about diving boards and only the value of the pool, in the event it got wiped out from a hurricane or other disaster. The personal liability coverage is what would be used in the event of any personal/human accidents. We doubled that value over what we had for a very low cost and off we went to build. We could also get an umbrella coverage for events that would exceed the liability for a reasonable cost.

 

[ewkearns]

For us, the first thing we were asked was does it have a diving board or a slide? We had both..... and found only one government underwritten plan (NC Beach Plan) that would cover us. We have since removed both.

 

[Isaac-1]

Insurance can be crazy, we have a pond in the yard and a couple of years ago all of a sudden the insurance company required us to post no fishing signs around it.

 

[ewkearns]

One of our neighbors bought a trampoline for their kids. Their insurance agent happened to drive by, saw the trampoline, and immediately cancelled their homeowners policy.....

More and more folks are using Google Earth (and similar) to peer over your fence to see what you are doing. Our mortgage broker (250 miles distant) described, in detail, our neighborhood, having digitally walked through the neighborhood and peered over ours and the neighbor's the fence.

 

[Brett_N]

According to my agent, State Farm is actually paying people in a call center to check on what all policy holders have hiding in their back yards via google maps.

 

[tim5055]

More and more folks are using Google Earth (and similar) to peer over your fence to see what you are doing.

I called a pressure washing company last year to get the driveway/patios pressure washed. He just pulled up Google Earth and calculated the footage and gave me a quote on the phone without coming to the house....

Another thing folks may not realize is that insurance companies utilize centralized shared databases for both policyholders and houses. They can see previous claims you have made, even with other companies and can see claims made against your house, even by previous owners.

 

[Bluebonnet]

We use Allstate insurance in Texas. Our insurance rate does not go up at all for having a pool and they said they do not care at all (nor do they charge extra) for having a diving board.

 

[shakham]

I am using Homesite through Progressive. They didn't have any issue with the diving board and slide. We're still building though.

 

[poolneophyte]

We have a 6" high dive rock which prevented several insurance companies from giving us a quote. There is no consistency with the insurance companies.

 

[eg1]

I don't understand how they think a fibreglass board is better to crack your noggin on than the concrete decking or the giant diving rocks I've seen.