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Hunting lease insurance ? #7818339 04/24/20 09:45 PM
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DWB Montana Offline OP
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Anyone care to share a good company to contact for liability insurance for a hunting lease, thanks.

Re: Hunting lease insurance ? [Re: DWB Montana] #7819161 04/25/20 06:06 PM
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Outdoor Insurance Group
Louisville Co
We have policy for 5200 acres for 618.00 yr for 2 million

Re: Hunting lease insurance ? [Re: DWB Montana] #7819212 04/25/20 06:54 PM
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DWB Montana Offline OP
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I am waiting to hear from them, I reached out to Brian earlier. The ranch we are leasing here in Montana is sizeable, 45,000 acres, members are 10-12. Lots of insurance company's charge between .10-16 cents and acre, we are hoping to do better then that, but we shall see. Thanks for the reply

Re: Hunting lease insurance ? [Re: DWB Montana] #7822274 04/28/20 04:48 PM
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Leonardo Offline
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Read the policy. I have worked in commercial insurance for 18 years, most I have come across aren't worth the paper they are written on.

Re: Hunting lease insurance ? [Re: DWB Montana] #7830624 05/05/20 10:58 PM
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DocHorton Offline
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Originally Posted by DWB Montana
Anyone care to share a good company to contact for liability insurance for a hunting lease, thanks.


Who owns the land? If you own it, and just want to have a liability policy then your homeowners may be able to provide an umbrella policy that covers your land. That is what I did with USAA.

Re: Hunting lease insurance ? [Re: DWB Montana] #7832763 05/07/20 07:25 PM
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Leonardo is right above and this time, Doc is also. Most home and farm liability policies will cover hunting lease exposures automatically, unless you have a permanent structure on it (for your use). The permanent structure issue applies whether it is made available to you by the land owner (a cabin or camp house lets say) or if it is your own. I was fortunate to find this jewel for $6,000 and it qualifies as a residence.

[Linked Image]

As such, the company who provides my insurance allows me to list this place as an additional residence which helps to set the issue straight. I don't have to pay for the acreage exposure, just the residence exposure, but it sure expands my coverage bunches. Not exactly sure, but betting most "city" companies won't do it.

If you own land and do not have a $1,000,000 farm liability policy or endorsement on your home insurance, then you are self insured. There are are many problems with this logic and most are extremely detrimental to your pocketbook. The $1,000,000 coverage amount is key because the State of Texas caps damages at $1,000,000 if you have a policy providing a $1,000,000 coverage limit. I believe it is from Chapter 75 of The Texas Civil Practices & Remedies Code, oftentimes referred to as the Recreational Land Use Act or something like that.

Btw, if you lease property for hunting rights, your home or farm coverage does not extend to the benefit of other members of the lease. Everyone needs their own unless you secure a separate policy listing all lease holders (read Leonardo's comments above).

Last edited by Hudbone; 05/07/20 07:27 PM.
Re: Hunting lease insurance ? [Re: Hudbone] #7833154 05/08/20 01:54 AM
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Everything said about the worth or the coverage of liability policies might be true. When you landowner requires the policy with him named as insured, you either get the policy or you gather your things up and go home. I’m not sure of the value, but for 617.00 everyone is happy

Re: Hunting lease insurance ? [Re: DWB Montana] #7845910 05/20/20 08:46 PM
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www.qdma.com and they will fix you up


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