Homeowner's Insurance for Land

Descant · 09-09-2021, 08:24 AM

Now that we know we're talking about .42 acres, the discussion about hunting snowmobiling etc seems pretty irrelevant. The OP should just call his agent in MA give him the address and be done. No big deal here.

John Mercier · 09-09-2021, 06:13 PM

Snowmobiling wouldn't be allowed without that new landowner giving their permission, that is state law.

Hunting would require posting against... but unless they have specific conditions, or do something stupid like boobie trapping or charging for use (don't take any gifts) that shouldn't be a problem.

The MA agent most likely wouldn't sell policy to cover land in NH, regulations being what they are.

BroadHopper · 09-10-2021, 06:21 AM

John is correct. That is why there are snowmobile clubs. The clubs negotiate a deal with private owners in the use of the lands. Clubs also have rules regarding the use of the land, trails to satisfy litigation requirements, and landowners. Landowners do realize there are bad users and the club will rectify the problem.
There is a major corridor through the farm. The family realizes LRCT is very strict regarding recreational use so the farm is protected under BCT. There are hiking, biking and XC uses on the trails maintained by an incredible group of volunteers.
If the US wasn't such a litigious society to satisfy lawyers' pockets we wouldn't be in the mess we are today.

hewitt52 · 09-10-2021, 02:57 PM

So I spoke with a local agent and straight to my insurance company for my home in Mass. I was told by both that there are requirements and am getting quotes for a Vacant Land Liability policy. My home's carrier said it needed to be a separate policy. Could be because in different states. Who knows. Anyway, wanted to provide an update with info that I got in case anyone in the future has similar questions.

I greatly appreciate everyone's replies. Very helpful!

09-10-2021, 06:21 AM	#3
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,584 Thanks: 3,227 Thanked 1,106 Times in 796 Posts	ATV, snowmobiling use on Private property. John is correct. That is why there are snowmobile clubs. The clubs negotiate a deal with private owners in the use of the lands. Clubs also have rules regarding the use of the land, trails to satisfy litigation requirements, and landowners. Landowners do realize there are bad users and the club will rectify the problem. There is a major corridor through the farm. The family realizes LRCT is very strict regarding recreational use so the farm is protected under BCT. There are hiking, biking and XC uses on the trails maintained by an incredible group of volunteers. If the US wasn't such a litigious society to satisfy lawyers' pockets we wouldn't be in the mess we are today. __________________ Someday may never be an actual day.

09-09-2021, 08:24 AM	#1
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,384 Thanks: 1,357 Thanked 1,629 Times in 1,061 Posts	Now that we know we're talking about .42 acres, the discussion about hunting snowmobiling etc seems pretty irrelevant. The OP should just call his agent in MA give him the address and be done. No big deal here.

The Following User Says Thank You to Descant For This Useful Post:
hewitt52 (09-10-2021)

09-09-2021, 06:13 PM	#2
John Mercier Senior Member Join Date: Jun 2021 Posts: 3,432 Thanks: 3 Thanked 602 Times in 498 Posts	Snowmobiling wouldn't be allowed without that new landowner giving their permission, that is state law. Hunting would require posting against... but unless they have specific conditions, or do something stupid like boobie trapping or charging for use (don't take any gifts) that shouldn't be a problem. The MA agent most likely wouldn't sell policy to cover land in NH, regulations being what they are.

The Following 2 Users Say Thank You to John Mercier For This Useful Post:
BroadHopper (09-10-2021), hewitt52 (09-10-2021)

09-10-2021, 02:57 PM	#4
hewitt52 Member Join Date: Aug 2020 Posts: 20 Thanks: 16 Thanked 2 Times in 2 Posts	So I spoke with a local agent and straight to my insurance company for my home in Mass. I was told by both that there are requirements and am getting quotes for a Vacant Land Liability policy. My home's carrier said it needed to be a separate policy. Could be because in different states. Who knows. Anyway, wanted to provide an update with info that I got in case anyone in the future has similar questions. I greatly appreciate everyone's replies. Very helpful!

The Following User Says Thank You to hewitt52 For This Useful Post:
Descant (09-12-2021)