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Joined: May 2021
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While reviewing my home insurance the GEICO rep said a fence might be needed around the pond for liability reasons like a pool. Anyone face similar issues?

From a safety viewpoint and preventing accidental slip into the pond I can see the merit. However the cost to fence it off & visual ugliness makes me say maybe not.

Any other viewpoints?


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There are lots of different insurance companies. We've never heard a requirement for fence around a pond from ours.

OTOH, I have fence around both of them anyway to keep the cows out.


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That's nonsense. Surely they won't follow through with that. If so, I'd be calling Jake from State Farm.

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I've got State Farm. They give me a discount on my homeowner's policy because of the pond.
The closest fire plug is ~2000' of hose from my house. The pond is 150' from my house.

Should have mentioned that I also have a blanket liability policy in addition to the normal homeowner's coverage.
The main reason I bought it is to cover any horse problems that may occur, but it would cover
any pond accidents as well. No fence required.

Last edited by Augie; 06/30/21 10:15 AM. Reason: addendum
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I got liability insurance specifically for our pond property. Not one word about fencing. Of course, it's in Texas, where maybe it's harder to trespass, get hurt, and sue the owner successfully.

Last edited by anthropic; 06/30/21 09:01 AM.

7ac 2015 CNBG RES FHM 2016 TP FLMB 2017 NLMB GSH L 2018 TP & 70 HSB PK 2019 TP RBT 2020 TFS TP 25 HSB & 250 F1,L,RBT -206 2021 TFS TP GSH L,-312 2022 GSH TP CR TFS -116




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i too have a seperate liability insurance policy for our property and is considered a "farm" liability policy. But...it's only $100 a year and does NOT have anything about fences around pond. Just "bad" dogs!! And I'm in deep east Texas also.


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Thanks for the replies. Maybe I'll just post some signs

Warning trees, if you run into them might hurt.
Warning Pond, water is wet
Warning your outside, stuff happens
Warning lions, tigers & bears oh my

Trying for humor


1.25 Acre Pond 8 Feet Deep

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The umbrella liability is a good way to go and as mentioned above not expensive. I had to put up a barrier to keep my own idiot family members from driving in. The pond. As Flame above says "Dear alcohol.....

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I've never heard of a fence being required around a pond.


Excerpt from Robert Crais' "The Monkey's Raincoat:"
"She took another microscopic bite of her sandwich, then pushed it away. Maybe she absorbed nutrients from her surroundings."

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Of course, gas cans are 'different' now due to ......stupid people.


Excerpt from Robert Crais' "The Monkey's Raincoat:"
"She took another microscopic bite of her sandwich, then pushed it away. Maybe she absorbed nutrients from her surroundings."

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I’ve never thought of a rural land liability policy. I occasionally have guests/friends up to ride 4 wheelers, fish, hunt, etc. 22 year old grandson sometimes hauls up his latest GF for a day in the country. Also, he and a half dozen high school buddies have an annual weekend there to do some shooting, drink some beer, 4 wheeler, etc.

Guess I need to look into this.


It's not about the fish. It's about the pond. Take care of the pond and the fish will be fine. PB subscriber since before it was in color.

Without a sense of urgency, Nothing ever gets done.

Boy, if I say "sic em", you'd better look for something to bite. Sam Shelley Rancher and Farmer Muleshoe Texas 1892-1985 RIP
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These days I don't think we can go wrong with umbrella policies. Unfortunately.

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Originally Posted by Dave Davidson1
I’ve never thought of a rural land liability policy. I occasionally have guests/friends up to ride 4 wheelers....Guess I need to look into this.

Dave my attorney told me in no uncertain terms to not let guests on the ATV's period. She said guests/kids on ATV's are lawsuits waiting to happen. She said even if your own brother's kid gets seriously injured like paralyzed he's going to sue you and say "well I am really just suing the insurance company this is nothing personal".

So it just so happens when guests visit...our ATV's are "not working". It's not just the attorney either....2-3 years a go we had a rule "under 16 must ride with parent".....well during events that rule lasted about 15 minutes..We're busy cooking on grill and then there goes the kids that were riding with their parents driving/speeding by all on their own. Don't wanna be a "kill-joy" at guest outings.....so the "ATV's aren't working locked away in barn" works really well. There is so much more to do that after a few mins they forget about ATV's.

I do have ranch/farm injury liability insurance.....plus another piece of the puzzle in Texas is to post these signs on your property and take pictures of them. This law went into effect in 2015. It's not total protection, but every little bit helps solve the puzzle.

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As far as a fence around a pond, it may depend where your property is? I cant see this happening way out in the country....but if there are lots of close neighbors or within city limits or close to a town....then maybe it becomes an issue as society becomes more and more worried about liability.


Fishing has never been about the fish....

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I have one of those signs on my front gate. I have one young man, my Grandsons best friend, that has been coming to my place for almost 15 years. Like another grandson to me. But, I guess I could get sued by anybody.


It's not about the fish. It's about the pond. Take care of the pond and the fish will be fine. PB subscriber since before it was in color.

Without a sense of urgency, Nothing ever gets done.

Boy, if I say "sic em", you'd better look for something to bite. Sam Shelley Rancher and Farmer Muleshoe Texas 1892-1985 RIP
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Dave, my farm liability policy has a "exclusion" (other than bad dog breeds) and that is it will NOT cover ATV accidents on the property. They sure know how to cover their asses!! But... I have a new six man side by side that ONLY I drive. But...If I did something by accident it wouldn't be covered!


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Originally Posted by Dave Davidson1
.22 year old grandson - and a half dozen high school buddies have an annual weekend there to do some shooting, drink some beer, 4 wheeler, etc..

Dave - hold my beer and watch this - is a huge lawsuit risk !!!

At a bare minimum an umbrella policy and written waivers of liability and assumption of risk.

Last edited by ewest; 07/01/21 10:02 AM.















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Their is only one way to shield yourself from the risk of civil liability, death, and even that has a work around.

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I have never seen any fence around a farm pond here; close to town, in town because of development, or otherwise.

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My sister had the homeowners insurance company tell them they would be dropped if they installed a wood stove in their house. They switched insurance companies.


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Because I am in NY, (nanny state) I have recently seen a few ponds with fencing around it, and the ponds were relatively close to the house and in more suburban areas.

My insurance agent calls ponds "Attractive Hazards" as kids will inevitably stray and explore your pond regardless of signs. (I know I used to!). If I put a fence around my pond, it would have reduced my umbrella policy by ~$20 a year. Not worth the cost of the fence unless I was really concerned about kids. No small kids in my area right now, and boy those fences looked bad. Only thing is I didn't see any geese, and an otter would have a tough go of it.

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Was making small take with my father-in-law the former insurance salesman last night. After we chatted about the weather I asked him about fencing a pond. He said North Carolina Wildlife would possibly force me to remove the fence as it would impede the migration of wildlife. Or so they were told in sales calls.

So No fence around the dang pond for me smile


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