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Feb 12th, 2024
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 Hunting property insurance
#5647575
03/12/15 03:27 AM
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Joined: Sep 2009
Posts: 167
epolanco
OP
Woodsman
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OP
Woodsman
Joined: Sep 2009
Posts: 167 |
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
"I'm a modern day John Wayne with my daddy's last name born 50 years too late"
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Re: Hunting property insurance
[Re: epolanco]
#5647618
03/12/15 03:48 AM
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Joined: Jan 2013
Posts: 1,833
sparrish8
Pro Tracker
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Pro Tracker
Joined: Jan 2013
Posts: 1,833 |
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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Re: Hunting property insurance
[Re: epolanco]
#5647663
03/12/15 04:15 AM
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Joined: Jul 2010
Posts: 1,911
Lonnie Paul Walker Jr.
Pro Tracker
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Pro Tracker
Joined: Jul 2010
Posts: 1,911 |
Agree with my buddy Sparrish, but I would have some type of liability.
Lonnie Paul Walker Jr.
"Lonnie Walker Outdoors"
Outfitter / Professional Guide
Wildlife Consultant
817-598-5338
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Re: Hunting property insurance
[Re: epolanco]
#5647848
03/12/15 11:53 AM
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Joined: Sep 2009
Posts: 167
epolanco
OP
Woodsman
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OP
Woodsman
Joined: Sep 2009
Posts: 167 |
"I'm a modern day John Wayne with my daddy's last name born 50 years too late"
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Re: Hunting property insurance
[Re: epolanco]
#5648398
03/12/15 06:22 PM
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Joined: Aug 2008
Posts: 14,949
don k
THF Celebrity
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THF Celebrity
Joined: Aug 2008
Posts: 14,949 |
On the ranch I have liability. Around $250 per year.
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Re: Hunting property insurance
[Re: epolanco]
#5648559
03/12/15 08:04 PM
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Joined: Jun 2014
Posts: 496
HS2
Bird Dog
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Bird Dog
Joined: Jun 2014
Posts: 496 |
You might check your homeowner's policy to see if it covers basic liability already.
Podcast: Reasoning Through the Bible
ReasoningThroughTheBible.com
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Re: Hunting property insurance
[Re: epolanco]
#5649169
03/13/15 03:02 AM
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Joined: Dec 2012
Posts: 194
KS 196 6/8
Woodsman
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Woodsman
Joined: Dec 2012
Posts: 194 |
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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Re: Hunting property insurance
[Re: KS 196 6/8]
#5649318
03/13/15 05:24 AM
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Joined: Dec 2012
Posts: 1,773
Big_Ag
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Pro Tracker
Joined: Dec 2012
Posts: 1,773 |
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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Re: Hunting property insurance
[Re: Big_Ag]
#5649337
03/13/15 06:30 AM
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Joined: Dec 2010
Posts: 1,666
John Humbert
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Pro Tracker
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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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Re: Hunting property insurance
[Re: don k]
#5649427
03/13/15 12:45 PM
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Joined: Aug 2008
Posts: 14,949
don k
THF Celebrity
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THF Celebrity
Joined: Aug 2008
Posts: 14,949 |
bureau On the ranch I have liability. Around $250 per year. Through the Farm Bureau.
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Re: Hunting property insurance
[Re: don k]
#5649637
03/13/15 03:32 PM
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Joined: Mar 2012
Posts: 823
newulmboy
Tracker
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Tracker
Joined: Mar 2012
Posts: 823 |
bureau 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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Re: Hunting property insurance
[Re: newulmboy]
#5649870
03/13/15 06:09 PM
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Joined: Aug 2008
Posts: 14,949
don k
THF Celebrity
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THF Celebrity
Joined: Aug 2008
Posts: 14,949 |
bureau 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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Re: Hunting property insurance
[Re: John Humbert]
#5650328
03/13/15 11:43 PM
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Joined: Mar 2013
Posts: 5,038
jetdad
THF Trophy Hunter
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THF Trophy Hunter
Joined: Mar 2013
Posts: 5,038 |
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.
Last edited by jetdad; 03/13/15 11:44 PM.
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Re: Hunting property insurance
[Re: epolanco]
#5650903
03/14/15 01:18 PM
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Joined: Sep 2009
Posts: 167
epolanco
OP
Woodsman
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OP
Woodsman
Joined: Sep 2009
Posts: 167 |
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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Re: Hunting property insurance
[Re: epolanco]
#5652814
03/16/15 02:24 AM
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Joined: Jan 2008
Posts: 5,574
Leonardo
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jan 2008
Posts: 5,574 |
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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