Yes, they can. Insurers often charge more for risky hobbies like skydiving, scuba, rock climbing and flying small planes.
Hobbies are part of your price. Connecticut lists skydiving, skiing and rock climbing. Massachusetts lists mountain climbing, motorcycle riding, hang gliding, sky diving and flying.
Applications ask about them. One sample application on file with the SEC asks about diving, racing, climbing, skydiving and more in the last 2 years or the next 2 years.
A yes often leads to a short extra form. It asks how often you do it, how deep you dive or how many jumps you make.
Pilots get their own form. That sample asks if you have flown, other than as a passenger, in the last 2 years or plan to.
The price change depends on the company and how risky your hobby is. Ask how your hobby will change your quote before you sign.
- Skydiving and hang gliding
- Scuba diving
- Rock and mountain climbing
- Motor racing
- Flying small planes
More questions
Should I skip telling them about my hobby?
No. Hiding it can lead to a denied claim. Insurers check answers.
Will an occasional dive raise my price?
Maybe not. Light activity is often treated better than frequent or deep dives. Give clear details.
Do I need to tell them if I start a new hobby later?
Usually no, once the policy is issued. Read your policy for any exclusions.
