Myself and a few friends have permission to hunt on about 50 acres of private land and just wanted to do the right thing and get some insurance to cover the owner and ourselves. Anybody have any recommendations or insight. Many Thanks
Generally speaking if you have homeowners insurance or renter's insurance you can get a Certificate of Insurance listing the landowner as an Additionally Insured, which will cover you. That's all my landowner requires from me, which only costs a quick phone call to my insurance agent.
Tell them you need a Certificate of Insurance with the Landowner's name and address. The cert will have all of your info along with your Liability limits which is all the landowner cares about.
Doesn't each person hunting need this? I just dont see how my homeowners would cover someone else's ground? I am had to sign waivers in the past but that still does not mean a insurance company wont try and sue if there is a problem down the road.
My insurance company is looking into it. Wish me luck and yes I think one of us would have to go through our own insurance co.
Most Homeowners policies include a certain amount of Personal Liability insurance, which is what covers them after they are listed as the Additionally Insured. This should cover accidental injury to another person or person's property.
The op wants to buy insurance for himself and his buddy's not rely on the landowners homeowners insurance the way i read it.
the OP's Homeowner's insurance will cover him if he damages any person or property while on the Landowner's property. Each person will have to get the Certificate of Insurance from their Ins. Co. Like Justin said most HO policies come with at least $100,000 in liability insurance that will cover you anywhere in the world
Just a quick note on limits: I carry a $1M umbrella policy that covers me over and above my homeowners (or auto) limits. I think it costs about $100/year. Around here, juries will have no mercy on someone who actually has a job and is a contributing member of society, so if you are found liable, you will get hammered. The extra $100/year buys me a great deal of peace of mind.
I'll start by saying I don't understand all the insurance stuff... so could you explain 'umbrella policy' to me? Do I go to regular agent and ask for that? Or is that something special I have to look for? That price sounds very affordable for the amount of coverage
I've never considered it, and won't. If I ever have to get insurance to hunt, then the lawyers have ruined my past-time....
Your local Auto/Home agent should be able to write an Umbrella policy for you. An Umbrella Policy as a secondary or excess policy to your Home and Auto policy. To qualify for one you have to carry minimum limits on your Auto and Home laibility limits, in FL the usual limits are 250/500/100 on Auto and 100k on Home. The idea behind the Umbrella is to cover your assets from loss if the loss is above your current coverages on your Home and Auto Policy. ie. you hurt someone n a car accident and they have $500k in medical costs well if you have the above limits of 250/500/100 your insurance carrier will only pay $250k for one individual and then the other $250k is on you, that is when the Umbrella kicks in instead of paying out of your assets. Hope that answers your questions.
