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Max Online: 16728 @ 03/25/12 08:51 AM
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#5647575 - 03/11/15 10:27 PM Hunting property insurance
epolanco Offline
Woodsman

Registered: 09/09/09
Posts: 166
Loc: south texas, RGV
Was looking into buying a small property (120 acres) for hunting,recreation,etc. my question is what kind of insurance is required or recommended to have and what does it cost. Just trying to figure out cost involved with owning a piece of land. Thanks
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"I'm a modern day John Wayne with my daddy's last name born 50 years too late"

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#5647618 - 03/11/15 10:48 PM Re: Hunting property insurance [Re: epolanco]
sparrish8 Offline
Pro Tracker

Registered: 01/13/13
Posts: 1200
Shouldnt have to have any insurance if its just you and your family, now if you sell any hunts you may need something to cover yourself. If you have any structures of value youll proba ly want to insure those. I got a quote for my cabin that is worth around 50k and it was from around $700-1100 a year.

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#5647663 - 03/11/15 11:15 PM Re: Hunting property insurance [Re: epolanco]
Lonnie Paul Walker Jr. Offline
Pro Tracker

Registered: 07/29/10
Posts: 1878
Loc: Santo, TX
Agree with my buddy Sparrish, but I would have some type of liability.
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Lonnie Paul Walker Jr.

"Lonnie Walker Outdoors"
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#5647848 - 03/12/15 06:53 AM Re: Hunting property insurance [Re: epolanco]
epolanco Offline
Woodsman

Registered: 09/09/09
Posts: 166
Loc: south texas, RGV
Thanks, appreciate it
_________________________
"I'm a modern day John Wayne with my daddy's last name born 50 years too late"

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#5648398 - 03/12/15 01:22 PM Re: Hunting property insurance [Re: epolanco]
don k Online   content
THF Trophy Hunter

Registered: 08/27/08
Posts: 9300
Loc: Bandera, Tx
On the ranch I have liability. Around $250 per year.
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http://www.ibexgoats.com/home.html

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#5648559 - 03/12/15 03:04 PM Re: Hunting property insurance [Re: epolanco]
HS2 Offline
Woodsman

Registered: 06/26/14
Posts: 163
You might check your homeowner's policy to see if it covers basic liability already.

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#5649169 - 03/12/15 10:02 PM Re: Hunting property insurance [Re: epolanco]
KS 196 6/8 Offline
Woodsman

Registered: 12/25/12
Posts: 192
Loc: Frisco, Texas
Go to the QDMA web site you can get insurance there dirt cheap. I just bought a 2 million dollar policy for about $200.00 per year, and that was for 450 acres. They have a tier, you 120 would be much cheaper. I also get a policy for another ranch I hunt 3800 +/- acres and it's only about $550.00 per year for that.

Check it out. Here is the link:

http://www.qdma.com/uploads/pdf/QDMA_HLLI_2014_low.pdf

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#5649318 - 03/13/15 12:24 AM Re: Hunting property insurance [Re: KS 196 6/8]
Big_Ag Offline
Pro Tracker

Registered: 12/23/12
Posts: 1010
Loc: Denton or Knox County
Originally Posted By: KS 196 6/8
Go to the QDMA web site you can get insurance there dirt cheap. I just bought a 2 million dollar policy for about $200.00 per year, and that was for 450 acres. They have a tier, you 120 would be much cheaper. I also get a policy for another ranch I hunt 3800 +/- acres and it's only about $550.00 per year for that.

Check it out. Here is the link:

http://www.qdma.com/uploads/pdf/QDMA_HLLI_2014_low.pdf


^^^^^^
If you have anyone out on the property for recreation besides you and you immediate family, you want liability insurance. It's not your best friend or brother that got seriously hurt or killed that is going to sue you, it is his wife or kids.

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#5649337 - 03/13/15 01:30 AM Re: Hunting property insurance [Re: Big_Ag]
John Humbert Offline
Pro Tracker

Registered: 12/13/10
Posts: 1631
Originally Posted By: Big_Ag
Originally Posted By: KS 196 6/8
Go to the QDMA web site you can get insurance there dirt cheap. I just bought a 2 million dollar policy for about $200.00 per year, and that was for 450 acres. They have a tier, you 120 would be much cheaper. I also get a policy for another ranch I hunt 3800 +/- acres and it's only about $550.00 per year for that.

Check it out. Here is the link:

http://www.qdma.com/uploads/pdf/QDMA_HLLI_2014_low.pdf


^^^^^^
If you have anyone out on the property for recreation besides you and you immediate family, you want liability insurance. It's not your best friend or brother that got seriously hurt or killed that is going to sue you, it is his wife or kids.


Not only that, but it is common nowadays even for trespassers on your property that get injured to sue you. That's right, even trespassers. They can claim "attractive nuisance" and sue the heck out of you. Let's say some kid or poacher climbs up in your elevated stand - and it falls over and he gets hurt. Whammo - you get sued.

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#5649427 - 03/13/15 07:45 AM Re: Hunting property insurance [Re: don k]
don k Online   content
THF Trophy Hunter

Registered: 08/27/08
Posts: 9300
Loc: Bandera, Tx
bureau
Originally Posted By: don k
On the ranch I have liability. Around $250 per year.
Through the Farm Bureau.
_________________________
http://www.ibexgoats.com/home.html

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#5649637 - 03/13/15 10:32 AM Re: Hunting property insurance [Re: don k]
newulmboy Offline
Tracker

Registered: 03/20/12
Posts: 808
Loc: New Ulm, TX
Originally Posted By: don k
bureau
Originally Posted By: don k
On the ranch I have liability. Around $250 per year.
Through the Farm Bureau.


Dang Don. I got Farm Bureau as well, and it cost me about 50-60 dollars a year for a 1 million dollar liability policy added to my homeowners insurance.

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#5649870 - 03/13/15 01:09 PM Re: Hunting property insurance [Re: newulmboy]
don k Online   content
THF Trophy Hunter

Registered: 08/27/08
Posts: 9300
Loc: Bandera, Tx
Originally Posted By: newulmboy
Originally Posted By: don k
bureau
Originally Posted By: don k
On the ranch I have liability. Around $250 per year.
Through the Farm Bureau.


Dang Don. I got Farm Bureau as well, and it cost me about 50-60 dollars a year for a 1 million dollar liability policy added to my homeowners insurance.
I don't have home owners with them. I also have my sons place included on the coverage. Maybe that is the difference. That or I just got screwed.
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http://www.ibexgoats.com/home.html

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#5650328 - 03/13/15 06:43 PM Re: Hunting property insurance [Re: John Humbert]
jetdad Offline
Tracker

Registered: 03/02/13
Posts: 933
Loc: Grayson county
Originally Posted By: John Humbert
Originally Posted By: Big_Ag
Originally Posted By: KS 196 6/8
Go to the QDMA web site you can get insurance there dirt cheap. I just bought a 2 million dollar policy for about $200.00 per year, and that was for 450 acres. They have a tier, you 120 would be much cheaper. I also get a policy for another ranch I hunt 3800 +/- acres and it's only about $550.00 per year for that.

Check it out. Here is the link:

http://www.qdma.com/uploads/pdf/QDMA_HLLI_2014_low.pdf




^^^^^^
If you have anyone out on the property for recreation besides you and you immediate family, you want liability insurance. It's not your best friend or brother that got seriously hurt or killed that is going to sue you, it is his wife or kids.


Not only that, but it is common nowadays even for trespassers on your property that get injured to sue you. That's right, even trespassers. They can claim "attractive nuisance" and sue the heck out of you. Let's say some kid or poacher climbs up in your elevated stand - and it falls over and he gets hurt. Whammo - you get sued.


Sad but true. You should have some type of liability coverage to help protect.


Edited by jetdad (03/13/15 06:44 PM)

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#5650903 - 03/14/15 08:18 AM Re: Hunting property insurance [Re: epolanco]
epolanco Offline
Woodsman

Registered: 09/09/09
Posts: 166
Loc: south texas, RGV
Thanks guys appreciate it
_________________________
"I'm a modern day John Wayne with my daddy's last name born 50 years too late"

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#5652814 - 03/15/15 09:24 PM Re: Hunting property insurance [Re: epolanco]
Leonardo Online   content
Extreme Tracker

Registered: 01/03/08
Posts: 4666
Loc: Wise County
Read whatever your buying carefully. I am an insurance agent and really cant afford the protection i need for my lease. When using the land personally my farm and ranch liability extends coverage however soon as i accept a fee from a lease member i become ineligible.

This is a tricky coverage.

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