State Farm, after climbing. They asked me an inordinate amount of questions, and I made the gal asking ask her manager a few clarifying questions. Asked about gear and crap. They do differentiate between rock and mountain. The only thing that it made different was the cost. My premium is insane compared to my wifes. But I've already told her, if she eats it, I'm going on a climbing trip with my brother to mourn.
They didn't mention restrictions eclipsing after two years, but they did say if I don't climb for a calendar year (Which may happen in the future), I can get it removed. Then if I climb after, I'm still fine. I guess. When that time comes, I'm going to make sure my ass is still covered if i finally punch the ticket.
I'm with sobo. Declare it, be honest, otherwise they will screw you when you really don't want to be screwed.