San Diego’s lifeguards cover about 24 miles of coastline, from Point Loma to Torrey Pines and Mission Bay. If your household lives in the water, we compare AD&D policies and how each one treats ocean sports.
Tell us about your household and activities, and a licensed agent will follow up by phone or video.
By submitting, you agree a licensed insurance agent may contact you about AD&D insurance options.
Ocean time is part of daily life here. Policies treat water sports differently, so the wording matters.
| Water activity | How policies often handle it | Policy wording to read |
|---|---|---|
| Swimming and surfing | Usually covered as ordinary accidents | Accidental drowning wording |
| Boating and paddling | Usually covered | Exclusions for racing or commercial work |
| Scuba diving | Sometimes limited or excluded | Depth limits and certification requirements |
We read each policy’s wording on surfing, diving, and boating.
We compare a life insurance accident rider with a standalone AD&D policy.
We show premiums at a few benefit amounts for your household.
Accidental drowning is generally covered as an accidental death under AD&D, subject to the policy’s exclusions, such as intoxication. If drowning results from a medical event like a heart attack, the insurer may treat it as illness rather than accident. We review how each policy defines accidental death.
Most AD&D policies cover surfing as an ordinary recreational activity, paying for accidental death or listed losses. Big-wave or competitive surfing may fall under hazardous activity exclusions in some policies. We check each policy’s wording against how and where you actually surf.
It depends on the policy. Some cover recreational diving within certain depths or with certification, while others exclude it or require a rider. If anyone in your household dives, we compare policies that include it and the conditions that apply.
The City of San Diego’s Lifeguard Services has close to 300 full-time, supervisory, and seasonal lifeguards covering about 24 miles of coastline, from the tip of Point Loma to Torrey Pines and Mission Bay. Their presence lowers risk, but accidents still happen, which is where coverage comes in.
Some life insurance policies offer an accidental death benefit rider that pays an extra amount if death is accidental. A standalone AD&D policy can also include listed losses like a limb or eyesight. We compare a rider with a separate policy so you can see the difference.
Tell us about your household and activities, and a licensed agent will lay out options by phone or video.
AD&D insurance pays only for losses caused by covered accidents and is subject to the exclusions and limitations in the policy. It is not a substitute for life insurance.
