Understanding Insurance for Hunting Land Leases
For many in the South, hunting is more than a sport, it’s a way of life. Whether you’re a seasoned hunter, member of a hunting club, or a landowner leasing property, accidents can happen. Having the right insurance policy for hunting leases protects your land, your hunters, and your peace of mind.
What is a land lease?
A land lease is an agreement in which a landowner allows an individual or private party to use their property for a specific purpose. Land leases are arranged for a variety of purposes, like farming, recreation, timber, and hunting.
Why is insurance essential for hunting land?
Hunting is a significant liability risk. The use of firearms, tree stands, hunting dogs, ATVs, and other potentially dangerous equipment can lead to serious injuries or losses. Even with proper hunting safety practices, accidents can happen quickly and unexpectedly. Adequate insurance coverage is critical in protecting both landowners and hunters from financial consequences related to accidents, injuries, or property damage.
What coverage should you have for a hunting lease?
To safeguard all parties on leased hunting land, liability coverage is essential. In the event of an accident, the landowner could be protected against claims, while the renter’s medical or related expenses may be addressed under their own policy. Standard farm or homeowners insurance may not automatically cover land leased for hunting, leaving gaps in protection. Coordinating dedicated liability coverage for a hunting lease ensures both parties are protected if something goes wrong.
Who is responsible for insuring leased land?
In many cases, both the landowner and renter need separate liability policies. Typically, the renter’s policy will list the landowner as an additional insured, which helps to protect both parties if a claim arises. To prevent any gaps in protection, both the landowner and the renter should review their coverage with an insurance agent.
Do I need insurance to hunt on my own land?
Personal hunting can often be covered by a standard policy like Alfa® farm insurance. However, once land is leased or hunters are charged a fee, coverage can become more complex. Fortunately, specialized endorsements and additional coverage options are available to protect landowners who lease their property for hunting purposes.
Responsible hunting starts here.
Hunting involves serious liability risks. Whether you're leasing land or planning to hunt, confirm that your insurance policy fits your needs. Speak with an Alfa Insurance agent to ensure you are fully protected.
All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the deductibles, coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.