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#6918975 - 10/13/17 08:16 AM Is Liability Insurance required by your landowner?
CCBIRDDOGMAN Offline
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Registered: 11/16/07
Posts: 10848
Loc: CEDAR CREEK LAKE
Getting back on an old Quail lease and since some jackwad started a fire last year with his UTV, now the landowner is requiring anyone with a UTV on the property must have a half million dollar liability insurance policy. Do any of you have to do this? It makes sense to me, If I were a leasing landowner I would require the same.
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Originally Posted By: bill oxner
Haven't had it in years but never spit any out.

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#6918986 - 10/13/17 08:24 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
hopalong Offline
THF Trophy Hunter

Registered: 12/05/10
Posts: 5182
Loc: drake river ranch (formerly p...
good policy but I would have to question why the 500k amount?
barns, outbuildings? home?

seems kinda hi for just some grassy pasture.
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#6918999 - 10/13/17 08:30 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
68rustbucket Online   content
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Registered: 10/21/08
Posts: 3025
Loc: San Marcos, TX
I'm required by landowner on new lease. I had the utv policy before getting on the lease. Better safe than sorry, it doesn't cost that much

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#6919002 - 10/13/17 08:32 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
DocHorton Online   content
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Registered: 12/06/10
Posts: 5266
Loc: DFW
Seems like it would make more sense for the landlord to have their own policy and then each person on the lease has to pay their pro-rated portion of it.

Other option is that UTV is listed under homeowners/auto/personal property policy with $500k liability limit.

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#6919010 - 10/13/17 08:40 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
Dalroo Online   content
Tracker

Registered: 08/03/16
Posts: 823
Loc: The Heart of Texas
If there are crops that could burn, depending on size, I would think that 500K might be reasonable. Even if LO has crop insurance, having a back up would give a good security blanket.
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#6919014 - 10/13/17 08:43 AM Re: Is Liability Insurance required by your landowner? [Re: hopalong]
Duck_Hunter Online   content
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Registered: 10/30/14
Posts: 6986
Originally Posted By: hopalong
good policy but I would have to question why the 500k amount?
barns, outbuildings? home?

seems kinda hi for just some grassy pasture.


Definitely seems high, but might be intended to weed out undesirables applying to lease.
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Originally Posted By: bill oxner
I just turned it on . I was looking bird dogs in the butt this morning.



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#6919023 - 10/13/17 08:47 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
CCBIRDDOGMAN Offline
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Registered: 11/16/07
Posts: 10848
Loc: CEDAR CREEK LAKE
It's a 34,000 acre ranch, there are pastures with nothing and there are pastures with ranch hands houses (two nice rock houses) then the Ranch headquarters/ landowners house is a huge brick home plus kids houses on a couple pastures that are 150-200,000 homes plus hunting lodge for the deer hunting operation, barns, etc. like I said, I get it, just wondering how many others are having to do it.
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Originally Posted By: bill oxner
Haven't had it in years but never spit any out.

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#6919024 - 10/13/17 08:48 AM Re: Is Liability Insurance required by your landowner? [Re: DocHorton]
Judd Online   content


Registered: 01/22/09
Posts: 12090
Loc: Wylie, TX
Originally Posted By: DocHorton
Seems like it would make more sense for the landlord to have their own policy and then each person on the lease has to pay their pro-rated portion of it.

Other option is that UTV is listed under homeowners/auto/personal property policy with $500k liability limit.


It's is not what you're saying but your comment reminded me and thought it worth mentioning. For those guys who added the UTV on their home owners...make sure it covers and accident/issue off your property. I paid for coverage 3 years and was shopping insurance only to find out I was not insured w/ my UTV off my property...I had to get a separate policy for the UTV.

To CCBDM...I haven't ever had a property owner ask that but it makes sense and I wouldn't have an issue providing.
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#6919025 - 10/13/17 08:48 AM Re: Is Liability Insurance required by your landowner? [Re: 68rustbucket]
CCBIRDDOGMAN Offline
THF Celebrity

Registered: 11/16/07
Posts: 10848
Loc: CEDAR CREEK LAKE
Originally Posted By: 68rustbucket
I'm required by landowner on new lease. I had the utv policy before getting on the lease. Better safe than sorry, it doesn't cost that much


I should have pricing soon. They said it is cheap though.
_________________________
Originally Posted By: bill oxner
Haven't had it in years but never spit any out.

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#6919071 - 10/13/17 09:26 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
Mickey Moose Online   content
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Registered: 02/05/12
Posts: 4783
I've only had one lease which required it, $1m. That lease was the only one I've been on where there were buildings (including residence). The amount the landowner required roughly jived with tax roll so I didn't have an issue with it.
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#6919090 - 10/13/17 09:39 AM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
68rustbucket Online   content
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Registered: 10/21/08
Posts: 3025
Loc: San Marcos, TX
Originally Posted By: CCBIRDDOGMAN
Originally Posted By: 68rustbucket
I'm required by landowner on new lease. I had the utv policy before getting on the lease. Better safe than sorry, it doesn't cost that much


I should have pricing soon. They said it is cheap though.


I paid $160 annual premium which included full coverage and 500,000 liability. Got it through progressive online

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#6919414 - 10/13/17 02:23 PM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
CCBIRDDOGMAN Offline
THF Celebrity

Registered: 11/16/07
Posts: 10848
Loc: CEDAR CREEK LAKE
I just got my quote, he was saying he figured it would be around $150/year but the quote came in at $100/year for $500,000 coverage. I don't think that is bad at all.
_________________________
Originally Posted By: bill oxner
Haven't had it in years but never spit any out.

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#6919419 - 10/13/17 02:27 PM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
hopalong Offline
THF Trophy Hunter

Registered: 12/05/10
Posts: 5182
Loc: drake river ranch (formerly p...
Originally Posted By: CCBIRDDOGMAN
It's a 34,000 acre ranch, there are pastures with nothing and there are pastures with ranch hands houses (two nice rock houses) then the Ranch headquarters/ landowners house is a huge brick home plus kids houses on a couple pastures that are 150-200,000 homes plus hunting lodge for the deer hunting operation, barns, etc. like I said, I get it, just wondering how many others are having to do it.



500k is cheap then.

sounds like a pretty nice set up.
_________________________
"Be polite, be professional, but have a plan to kill everybody you meet."
Brig. Gen. James Mattis flag

lake fork FISHERMANS COVE MARINA - 903 474 7479 reservations


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#6919453 - 10/13/17 03:14 PM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
tigger Online   sleepy
Extreme Tracker

Registered: 03/24/07
Posts: 4938
Loc: Bertram, Texas
We had a fire on the lease i am that was started by an ATV. Not damage on our ranch but lots of damage on neighboring ranch. Fences, pins, grass, etc. Eat up 500k in a hurry. Nice to have that coverage plus a million dollar umbrella on your homeowners.

I am convinced it was started by spontaneous combustion on a very dry day with lots of dust with a lot of shattered grass in it that exploded and caught the pasture on fire 5 foot from vehicle. 5 guys saw happen and could not get under control before it was out of control.

Nice to have the coverage even if land owner does not require it.

If you are quail hunting off of an atv very foolish not to insure atv and truck.


Edited by tigger (10/13/17 03:18 PM)
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#6919713 - 10/13/17 07:13 PM Re: Is Liability Insurance required by your landowner? [Re: CCBIRDDOGMAN]
huntwest Offline
Veteran Tracker

Registered: 09/17/10
Posts: 2334
Loc: Albany
Originally Posted By: CCBIRDDOGMAN
It's a 34,000 acre ranch, there are pastures with nothing and there are pastures with ranch hands houses (two nice rock houses) then the Ranch headquarters/ landowners house is a huge brick home plus kids houses on a couple pastures that are 150-200,000 homes plus hunting lodge for the deer hunting operation, barns, etc. like I said, I get it, just wondering how many others are having to do it.


I make the lease guy that leases from me for dove have one.
Where are you guys hunting this year?

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