Hunting season brings excitement, tradition, and opportunities to enjoy the outdoors. It also introduces specific risks that create important insurance considerations for both landowners who open their property to hunters and the hunters themselves. Proper coverage protects assets, supports safety, and ensures everyone can focus on the experience rather than potential liability.
For Landowners
Property owners who lease or allow access to their land should review their insurance before the season begins. Key coverages include:
• Premises Liability
Protects against claims if a guest or hunter is injured on the property.
• Hunting Lease Liability
Provides tailored protection when land is leased for hunting activities.
• Property Coverage
Safeguards structures such as blinds, cabins, barns, gates, and fencing.
• Wildlife and Equipment Protection
Covers feeders, stands, and other equipment from theft or damage.
Landowners should also document boundaries, post signage where needed, and ensure equipment like ATV paths and blinds are well maintained.
For Hunters
Hunters invest heavily in gear and face risks that standard policies may not fully address. Important coverage options include:
• Personal Liability
Protects if another person or property is accidentally harmed during a hunt.
• Scheduled Equipment Coverage
Rifles, optics, night vision, and specialty gear can be insured for full replacement value if stolen or damaged.
• ATV and UTV Insurance
Essential when using off-road vehicles to access the lease.
• Travel and Personal Accident Protection
Supports recovery from unexpected injuries far from home.
A safe and successful season requires more than a great shot. Reviewing insurance coverage ahead of time provides peace of mind for property owners and hunters alike.
If you have questions or want help customizing protection for your hunting plans, our agency is here to assist.