My house ins is with state farm so they will also cover my hunting lease ins,,,for 400 acres they charge me $56 dollars a year,,,not bad and they are local in brookhaven

Yall better be careful on that and ask for an outline of coverage from your agent. Most homeowners policies only have a $500,000 limit on the liability. Also, there is coverage under your homeowners policy for "other properties" that it will provide coverage for if listed, but you have to have an actual intrest in the land, i.e. ownership. Also, when you get into leasing and other people coming onto it, there can be alot of ambiguities as to where the coverage extends. Yes it may protect you if the landowner you are leasing from sues you, but may not if someone on the lease gets hurt and sues you. My advice to not attach it to your homeowners policy, go through QDMA, and buy it from their program. Cheap and it has unlimted additional insureds.

its not attached to your home owner policy,,,its a seperate policy,,you just have to have a home owner policy to get it,

PERSONAL LIABILITY-$1,000,000 (EACH OCCURRENCE)

A monoline personal liability policy is an umbrella...they may not call it that, but thats what it is. I am making assumptions(and you know what they do) but ask to see the declarations page and for a full explanation. More than likely it will say you have $1mil in coverage and it will also say something to the effect of you own X# of vehicles, X# of recreational vehicles, X# of properties(which is where you will "think" you have coverage) but there are usually terms that must be satified before you can use the $1mil personal liability such as $500k or $1mil underlying limits on the primary coverage of the property in question should a claim arise. Umbrellas have to exhaust the underlying primary limits first, and they must be qualifying limits at that.

My personal opinion is to ask your agent to write something that says he will cover a hunting camp under your homeowners policy. I've never seen it happen and wouldnt trust a homeowners policy to cover a hunting camp or hunting property. I'm an agent and wouldnt do it on my own place. Plus with the way the homeowners markets are getting, I would want it on its on policy simply for the fact that if I did have a claim against it, I wouldnt want it attached to my homes loss history to affect it for the next 3-5 years making high premiums and possibly being non renewed and having trouble finding coverage.

Dewayne, sounds to me like your agent sold you an umbrella/excess liability policy, which is good, but with no underlying policy, its worthless on that property. Be careful and ask questions. I am not trying to say what he did isnt legit, because I havent seen your policy and dont know it, but it sounds suspect and I would be careful. If you would like for me to look at it or call me to talk about it, I will, and will not even try to solicit your business or pull the old "let me quote it game".

Just looked up QDMA policy and it looks eally good. No its not just for clubs. They have a price list for acrages. When you get to 2000 to 3499 its 14 cents per acre. 3500 plus is 13 cents an acre. $1,000,000 dollar policy coverage, covers ATV activities, treestand activities and more. Google QDMA and click on their application site. It will show you coverage and prices. Looks good to me.

I looked up QDMA and from what I saw and read it would cost 17 cent an acre up to 100 acres,waiting to get the paper work on the land before I call and talk to them.

And that's all there is to it. QDMA is what I would recommend also.