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Insurance Question (Homeowners)
Posted on 5/12/19 at 10:37 am
Posted on 5/12/19 at 10:37 am
Hopefully the insurance geniuses of the OT can answer this: I’m thinking about building a batting cage for my son. We live in a neighborhood with mostly 1 acre lots (not sure if that matters). Will/could my homeowners policy be affected if I build it?
24
Posted on 5/12/19 at 10:38 am to MahiFishn
Subtle travel ball brag.
Posted on 5/12/19 at 10:38 am to MahiFishn
Short answer is yes. You would definitely need to let your carrier know.
You’ll get better answers on the Money Bored.
You’ll get better answers on the Money Bored.
This post was edited on 5/12/19 at 10:39 am
Posted on 5/12/19 at 10:39 am to MahiFishn
What is Jaxyn’s slugging percentage this year?
If less than .800 dont waste your money. He isnt making the show
If less than .800 dont waste your money. He isnt making the show
Posted on 5/12/19 at 10:40 am to MahiFishn
quote:
Will/could my homeowners policy be affected if I build it?
Any alterations/additions to your property could affect your policy.
Posted on 5/12/19 at 10:41 am to MahiFishn
I don’t see why it would. It’s no different from putting up a swing set. Unless it’s attached to the house I don’t see why they would need to know. Unless you want them to cover it if something happens to it, I wouldn’t say anything.
Posted on 5/12/19 at 10:42 am to Cosmo
Posted on 5/12/19 at 10:43 am to MahiFishn
I would say that while a batting cage is a net, some may deem it a fence, and it may be too high.
Depending on what other materials are in the batting cage or lining the batting cage, such as chain-link, certain neighborhoods would take exception to your setup. It is all about interpretation.
Depending on what other materials are in the batting cage or lining the batting cage, such as chain-link, certain neighborhoods would take exception to your setup. It is all about interpretation.
Posted on 5/12/19 at 10:45 am to Cosmo
quote:
What is Jaxyn’s slugging percentage this year?
Lil boy is definitely D1 material. We’ve traveled from Texas to Bama this year alone with his 9U team. He’s easily the best I’ve seen. Obviously joking.
I would just like to be able to get home from work, and practice with my boy without having to travel across town to do so.
Posted on 5/12/19 at 10:46 am to Pectus
He should be more worried about the neighbors kid Kasetonn getting nailed by a line drive in the cage
Posted on 5/12/19 at 10:52 am to MahiFishn
Adjacent structures coverage is usually set at 10% of your policy limit on the dwelling. Will this provide enough coverage for fencing, outbuildings and the batting cage? If not, call your agent and increase your policy limit.
Posted on 5/12/19 at 10:53 am to MahiFishn
The three questions..That I remembered being asked are
1. Is there a pool?
2. Do I have a dog..if so what kind. If a Pitbull or Rottweiler.
3. If I have a Trampoline.
If I were you I would call and ask..
1. Is there a pool?
2. Do I have a dog..if so what kind. If a Pitbull or Rottweiler.
3. If I have a Trampoline.
If I were you I would call and ask..
Posted on 5/12/19 at 10:58 am to MahiFishn
Any insurance cost increases will pale to the cost of Braxtden's batting coach's hourly rate.
Posted on 5/12/19 at 11:10 am to East Coast Band
I handle first party property claims, my concern would be third party claims.
Will other kids be using the cage? If so and one of them gets hurt you could get sued
Will other kids be using the cage? If so and one of them gets hurt you could get sued
Posted on 5/12/19 at 11:14 am to hobotiger
This.
Liability is what I’d be concerned about.
Liability is what I’d be concerned about.
Posted on 5/12/19 at 11:16 am to MahiFishn
1st rule of Coach Kick
Your batting average has to be higher than the price of your bar.
Nothing worse than watching 9 yr old Maricci models hit .210 with a $289 bat.
Your batting average has to be higher than the price of your bar.
Nothing worse than watching 9 yr old Maricci models hit .210 with a $289 bat.
This post was edited on 5/12/19 at 11:26 am
Posted on 5/12/19 at 11:20 am to MahiFishn
No issues. As long as you’re not leasing it out.
This post was edited on 5/12/19 at 11:21 am
Posted on 5/12/19 at 11:43 am to MahiFishn
The answer is highly dependent on company
Most companies will have specific written in exclusions for things like diving boards, pool slides, zip lines, skateboard ramps etc...most of the time a batting cage will not be listed, however this does not mean the batting cage would be covered
Often insurance companies will leave language in their guidelines that allows them to cancel for things on the property that they deem to be excessive liabilities. They simply can’t list everything so they put in broader language at the end.
Call your agent and ask them:
1) will I be canceled if I put up a batting cage
2) if you won’t be canceled, will liability coverage for the batting cage be excluded
Often times even though the company will still maintain your policy they will specifically exclude liability coverage on certain things
Most companies will have specific written in exclusions for things like diving boards, pool slides, zip lines, skateboard ramps etc...most of the time a batting cage will not be listed, however this does not mean the batting cage would be covered
Often insurance companies will leave language in their guidelines that allows them to cancel for things on the property that they deem to be excessive liabilities. They simply can’t list everything so they put in broader language at the end.
Call your agent and ask them:
1) will I be canceled if I put up a batting cage
2) if you won’t be canceled, will liability coverage for the batting cage be excluded
Often times even though the company will still maintain your policy they will specifically exclude liability coverage on certain things
This post was edited on 5/12/19 at 11:43 am
Posted on 5/12/19 at 11:53 am to MahiFishn
Yes, it will be effected. First, you need to read your homeowners insurance policy, specifically the section that deals with your (the insured) duties under the policy. Likely the policy requires you to update the insurance company (the insurer) and your mortgage company of any changes in the property. Here the change would be the addition of a batting cage to the insured premises. If you had a claim and they asked for a Proof of Loss, one question which the claim be denied upon is whether you acted in good faith and carried out your duty to information the insurer of any changes in the premises.
Further, your insurance is going to go up as a batting cage can invite all kinds of injuries, especially if your bringing a child's team over for practice.
I'd make damn sure your policy carries enough liability and medical coverage.
Further, your insurance is going to go up as a batting cage can invite all kinds of injuries, especially if your bringing a child's team over for practice.
I'd make damn sure your policy carries enough liability and medical coverage.
This post was edited on 5/12/19 at 11:55 am
Posted on 5/12/19 at 12:13 pm to Fishwater
Should probably look at an Umbrella policy. It’s affordable and provides excess liability
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