fall. My most favorite time of the year. Autumn marks the beginning of Friday night football, college football, local festivals and, of course, the hunting season! There is this magical feeling floating in the air this time of year, whether the desire to go out in the dove fields and implement Mojo lures, or pictures in my mind of that trophy buck slip in the right opening to daylight. Whatever your game of choice, as you sit around the campfire with your buddies the night before the big game, have you ever stopped to think about the responsibility of such a company created? Of course not ... but you should!
When you consider the dangers of hunting, the first thought is usually accidental shootings. I highly recommend everyone take a hunting safety course, although it is not required in your state. According to the Texas Parks and Wildlife Department, this course has had a huge impact on accidental shootings. In 1968, there were 37 deaths related to hunting in Texas. The state started requiring hunters follow the course of training of hunters in 1988 and 2013, deaths were down to three with more than 1.225.000 licenses sold. The responsibility for these accidental shootings can be covered by your homeowner policy; However, the limits may be inadequate. I advise you to look into a personal umbrella policy to provide that extra layer of coverage in the event of such an accident.
In addition to potential liability for accidental shootings, there are many other items that you should also consider before heading out into the fields.
- ATV or other modes of transport not approved for road use. These will be covered by a homeowners policy, but only if they are used at home and if they are used solely to serve the property. You can check with your agent to program on a car insurance policy to provide the necessary coverage. See the blog post you a golf cart? Get the right coverage for details.
- Guns . Many hunters spend much money on guns. Coverage of firearms is provided as part of the personal property of your homeowners policy, however, in many states, there is a coverage limit for the flight, and you would be subject to your deductible owners should you suffer a loss. It may be best to plan your firearms to avoid the franchise and any limitation on the flight deck. Consult your independent agent on which option is right for you.
- Land Leasing. Because there is so little public land for hunting, some owners rent their land to hunters. If you rent your land, you should review the policy of your own to make sure you have adequate coverage. This could be considered a business suit and can not be covered by your home insurance. You might need to check with your independent insurance agent on a commercial policy. You will also want to make sure your lease is properly formulated to provide as much coverage as possible for you. This is another thing that your agent can help. To learn more about leasing land, see blog Up the Hunt liability coverage right for hunting season!
Before the start of the season, sit down with your independent agent to discuss your hunting exhibitions. Once you track down the right coverage for your needs, you can concentrate on bagging that monster buck.
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