Pond Boss Magazine
https://www.pondboss.com/images/userfiles/image/20130301193901_6_150by50orangewhyshouldsubscribejpeg.jpg
Advertisment
Newest Members
Wild Flower Farm, JiminKY, patricjohn150, Jon Mees, NEOHIO
17,525 Registered Users
Forum Statistics
Forums36
Topics39,304
Posts533,879
Members17,525
Most Online3,583
Jan 15th, 2020
Top Posters
esshup 25,977
ewest 20,798
Cecil Baird1 20,043
Bill Cody 13,896
Who's Online Now
4 members (highflyer, teehjaeh57, CrazyCarl, Bobbss), 200 guests, and 123 robots.
Key: Admin, Global Mod, Mod
Previous Thread
Next Thread
Print Thread
Joined: May 2021
Posts: 21
D
OP Offline
D
Joined: May 2021
Posts: 21
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?


1.25 Acre Pond 8 Feet Deep

Some Koi & Large Mouth Bass
Joined: May 2004
Posts: 13,193
Likes: 74
Moderator
Lunker
Offline
Moderator
Lunker
Joined: May 2004
Posts: 13,193
Likes: 74
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.


"Live like you'll die tomorrow, but manage your grass like you'll live forever."
-S. M. Stirling
[Linked Image from i.pinimg.com]
Joined: May 2015
Posts: 64
Likes: 5
C
Offline
C
Joined: May 2015
Posts: 64
Likes: 5
That's nonsense. Surely they won't follow through with that. If so, I'd be calling Jake from State Farm.

Joined: Oct 2018
Posts: 829
Likes: 111
A
Offline
A
Joined: Oct 2018
Posts: 829
Likes: 111
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 09:15 AM. Reason: addendum
Joined: May 2014
Posts: 3,051
Likes: 89
A
Online Content
A
Joined: May 2014
Posts: 3,051
Likes: 89
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 08:01 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, -310




Joined: Sep 2014
Posts: 1,542
Likes: 19
F
Offline
F
Joined: Sep 2014
Posts: 1,542
Likes: 19
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.


Dear Alcohol, We had a deal where you would make me funnier, smarter, and a better dancer... I saw the video... We need to talk.
Joined: May 2021
Posts: 21
D
OP Offline
D
Joined: May 2021
Posts: 21
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

Some Koi & Large Mouth Bass
Joined: Apr 2020
Posts: 94
Likes: 5
J
Offline
J
Joined: Apr 2020
Posts: 94
Likes: 5
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.....

Joined: Sep 2003
Posts: 12,338
Likes: 36
Moderator
Ambassador
Field Correspondent
Hall of Fame 2014
Lunker
Offline
Moderator
Ambassador
Field Correspondent
Hall of Fame 2014
Lunker
Joined: Sep 2003
Posts: 12,338
Likes: 36
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."

Joined: Sep 2003
Posts: 12,338
Likes: 36
Moderator
Ambassador
Field Correspondent
Hall of Fame 2014
Lunker
Offline
Moderator
Ambassador
Field Correspondent
Hall of Fame 2014
Lunker
Joined: Sep 2003
Posts: 12,338
Likes: 36
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."

Joined: Jan 2006
Posts: 15,032
Likes: 48
D
Moderator
Lunker
Offline
Moderator
Lunker
D
Joined: Jan 2006
Posts: 15,032
Likes: 48
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
Joined: Apr 2020
Posts: 94
Likes: 5
J
Offline
J
Joined: Apr 2020
Posts: 94
Likes: 5
These days I don't think we can go wrong with umbrella policies. Unfortunately.

Joined: Jul 2010
Posts: 3,695
Likes: 30
Zep Offline
Hall of Fame 2014
Offline
Hall of Fame 2014
Joined: Jul 2010
Posts: 3,695
Likes: 30
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.

[Linked Image from i.postimg.cc]

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....

[Linked Image from vgy.me] [Linked Image from vgy.me]
Joined: Jan 2006
Posts: 15,032
Likes: 48
D
Moderator
Lunker
Offline
Moderator
Lunker
D
Joined: Jan 2006
Posts: 15,032
Likes: 48
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
Joined: Sep 2014
Posts: 1,542
Likes: 19
F
Offline
F
Joined: Sep 2014
Posts: 1,542
Likes: 19
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!


Dear Alcohol, We had a deal where you would make me funnier, smarter, and a better dancer... I saw the video... We need to talk.
Joined: Mar 2005
Posts: 20,798
Likes: 90
E
Moderator
Hall of Fame 2014
Lunker
Offline
Moderator
Hall of Fame 2014
Lunker
E
Joined: Mar 2005
Posts: 20,798
Likes: 90
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 09:02 AM.















Joined: Nov 2017
Posts: 212
Likes: 5
Offline
Joined: Nov 2017
Posts: 212
Likes: 5
Their is only one way to shield yourself from the risk of civil liability, death, and even that has a work around.

Joined: Oct 2015
Posts: 2,361
Likes: 8
J
Offline
J
Joined: Oct 2015
Posts: 2,361
Likes: 8
I have never seen any fence around a farm pond here; close to town, in town because of development, or otherwise.

Joined: Jan 2009
Posts: 25,977
Likes: 178
Moderator
Ambassador
Field Correspondent
Lunker
Offline
Moderator
Ambassador
Field Correspondent
Lunker
Joined: Jan 2009
Posts: 25,977
Likes: 178
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.


www.hoosierpondpros.com


http://www.pondboss.com/subscribe.asp?c=4
3/4 to 1 1/4 ac pond LMB, SMB, PS, BG, RES, CC, YP, Bardello BG, (RBT & Blue Tilapia - seasonal).
Joined: Nov 2011
Posts: 2,120
Likes: 15
L
Offline
L
Joined: Nov 2011
Posts: 2,120
Likes: 15
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.

Joined: May 2021
Posts: 21
D
OP Offline
D
Joined: May 2021
Posts: 21
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


1.25 Acre Pond 8 Feet Deep

Some Koi & Large Mouth Bass

Link Copied to Clipboard
Today's Birthdays
DannyMac, jakeb
Recent Posts
Vorticella.
by azteca - 12/05/21 07:58 PM
2.25 SA pond - build a fishery
by Bill Cody - 12/05/21 07:39 PM
Happy Birthday highflyer!
by Tbar - 12/05/21 07:14 PM
Compaction Question
by KrisAhrens - 12/05/21 07:05 PM
Spotted Gar as a Size Selective Predator
by jpsdad - 12/05/21 06:32 PM
pond finally cleared up! Behavior change?
by FishinRod - 12/05/21 05:41 PM
I finally got my small pond! It's just kinda big!!
by Pat Williamson - 12/05/21 04:59 PM
Happy Birthday Cecil!
by FishinRod - 12/05/21 11:13 AM
Is stunting size predictable from stocking rate?
by jpsdad - 12/05/21 07:50 AM
Digging a pond in west-central MO.
by FishinRod - 12/04/21 05:20 PM
Washout around exit pipe on new pond... what to do
by Stressless - 12/04/21 09:11 AM
DD1 is a birthday boy
by Pat Williamson - 12/03/21 08:05 PM
Newly Uploaded Images
Tilapia catching season
Tilapia catching season
by Quixotic, December 5
Coyote on Deer Opening Day
Coyote on Deer Opening Day
by Theo Gallus, November 29
New Old Pond v3
New Old Pond v3
by HTNFSH2, November 19
Tilapia indoors and out
Tilapia indoors and out
by highflyer, September 29
Naiad vs chara?
Naiad vs chara?
by marlin304, September 26
spreading bentonite
spreading bentonite
by Guppy1, September 20

� 2014 POND BOSS INC. all rights reserved USA and Worldwide

Powered by UBB.threads™ PHP Forum Software 7.7.5