And I have to give my insurance story. I know you know about insurance so my apologies. In my mind, any one with a pool and any decent or largish amount of assets should have an umbrella policy. That was my issue. I checked with the primary coverage layer and they had no issue. No surcharge, no nothing. All it needed was a non-slip surface. Most injuries come from falling off the board. Though I suppose the bad ones we don’t like to think about are more expensive to them but not very common.
But it was my umbrella policy, which I didn’t inquire of, that wouldn’t cover the board. I had 30 days to remove it or they would drop me. I could either go with a stand-alone high dollar umbrella policy at a much higher cost or re-place all of my coverage with a carrier that would allow the board on both the primary and umbrella coverages.
I’m done. Just wanted to share my story that many also probably don’t think about.
Nationwide, at least for me, was happy to cover the board on both critical policies. Ended up saving a pretty penny in the end for all my various policies since I hadn’t taken it to market in quite a while.