No insurance while hunting on my land!

[horseman2]

When I inquired about a rider for my firearms through BCAA it was pretty clear they did not want to insure them.
I needed professional appraisals and not the LGS. She wanted receipts from when they were purchased.
When she asked how many rounds of 22 LR I had and I did not know it appeared that was too many.
Don't know where that was going but maybe she buys toilet paper one sheet at a time!

I also am insured via BCWF as a member of two clubs.

 

[Jaaska]

I have a section and shopped for insurance . Got a policy that covers the land , family , 3 sea cans for storage and some of the contents . The other contents are insured for the ATVs and snow machine . It's down as recreational land which means no permanent structures . The insurance guy told me that if i allow others on the land to make sure they have their own insurance for ATVs , snow machines and hunting .

I put up No Trespassing signs along two roads every 50 yards and as i was putting the last of them up and CO , game warden pulled over . Nice guy and we had a good conversation . He told me of a farmer who lives not far from me who has his land all posted also but snow mobilers pay no attention to his signs . He dug a long drainage ditch on his property which filled with snow come winter . A group of snow mobilers went ripping through his property paying no attention to his signs as usual and one of them went into the drainage ditch and was seriously hurt . He sued the farmer . The CO didn't know the outcome or if the farm insurance covered the cost of lawyers but his No Trespassing signs should help .

 

[Mannie]

Thank you all for chiming in. I would not doubt if there was a big insurance loss because maybe somebody got shot and severely injured. They had to pay out big time. So now they don't want to loose money again. Insurers are something else all together these days. My neighbour had a burst pipe. Hot water ran for 2 days at the cottage. Yes, they had weekly inspections. $150K in water damage. First thing the insurance company said is you have no coverage for this. After threatening them with a lawyer they all of a sudden said they will cover it. Could you imagine if the homeowner cowered and believed them????? Rates are also going through the roof. A lot of businesses are closing up because they can not pay the increases which sometimes are astronomical. 30 years ago you had so many house fires from wood stove chimneys. Now you don't have any due to every insurer asking for a WETT certificate before they insure you. Very limited losses from chimney fires. and....oil tanks. Can not get insurance if the tank is not double walled or over 10 years old. God forbid you want to install a new oil furnace. You basically have to build a concrete pool under it! My insurance company called me and told me it's time to replace my roof! Can you imagine that. What I am saying is claims are down but rates continue to go up. Total bull____.

 

[mrgoat]

Insurance companies as you know are private businesses that are in business to make money. The more they bring in in premiums and the less they pay out in claims the more money they make. Risk management is their big theme now. I have about as much use for insurance companies as I do for dog sh!t on my boots, but unfortunately they are a necessary evil.

When I moved to this property the insurance company stated my premium for house insurance would be high as I was 14K from a fire hall and I had no fire hydrant. I told her I had something away better than a fire hydrant I had a nice river flowing through my front yard. She stated that was irrelevant and had nothing to do with a fire hydrant. Even after I explained the river was an endless supply of water for the fire truck she said It wasn't a fire hydrant and what good would a river do if a I had a fire...!!

I changed insurance companies the new one has no issue with the 14K as it is only 1K over the limit from a fire hall and they liked the idea of the river water supply. It pays to shop around every couple years with insurance companies, and keep in mind many of the insurance folks that give you quotes are just young adults that are book smart only, when it comes to common sense and real life experiences they have none. Best described as mindless twits.

 

[blargon]

3 year OFAH digital membership for $75 provides insurance while hunting or shooting. You are also covered at the range and any other public or private property.

 

[8x68]

I would shop around for insurance before going with OFAH's. Brokerlink is owned by Intact Insurance. A broker is supposed to shop around for the best insurance price/coverage for you which obviously isn't going to happen.

 

[yomomma]

I would shop around for insurance before going with OFAH's. Brokerlink is owned by Intact Insurance. A broker is supposed to shop around for the best insurance price/coverage for you which obviously isn't going to happen.

Compared to many people I know, OFAH/Intact has had the lowest rates. We have everything with them, home, auto, ATV. My son got married last year and bought a house. After much searching he ended up at intact. YMMV

 

[Bigbubba]

OP I would again ask what the IC means by "There is no coverage"

Do they mean they will not cover you if someone hunting on your land sues you? (Public liability)
You need to clarify the issue.

I would expect that they would have to cover you in that event unless it was specifically listed as a non covered peril in the policy.
And that could be messy. For example a hiker who is not hunting falls and breaks a leg and sues you. Vs a hunter doing the same. What's the difference

If there is a structure on the property, they would be hard pressed to say its not covered for (say) fire insurance just because someone is hunting.
Hunting wont start a fire in the house...

Personally I wouldn't sweat it, especially if you are the one hunting.
If you have friends that hunt it, tell them to get OFAH insurance.

 

[3macs1]

OP I would again ask what the IC means by "There is no coverage"

Do they mean they will not cover you if someone hunting on your land sues you? (Public liability)
You need to clarify the issue.

I would expect that they would have to cover you in that event unless it was specifically listed as a non covered peril in the policy.
And that could be messy. For example a hiker who is not hunting falls and breaks a leg and sues you. Vs a hunter doing the same. What's the difference

If there is a structure on the property, they would be hard pressed to say its not covered for (say) fire insurance just because someone is hunting.
Hunting wont start a fire in the house...

Personally I wouldn't sweat it, especially if you are the one hunting.
If you have friends that hunt it, tell them to get OFAH insurance.

Well he should since they will not cover him either per their statement. His quote " The insurance company told me there is no coverage while engaged in hunting activities. I can not believe this! "

I stated it earlier hunting is seen with some companies now the same as driving a race car and not covered due to being classed as a "reckless endangerment"
There was a case here a few years ago man was killed hunting and they didnot pay his wife the life insurance . There however they said because he was not wearing hunters orange which was mandatory. That case fell under reckless endangerment also. How they get away with it I don't know but they do
Cheers
That company in their policy

Other exclusions
Exclusions are situations in which the insurer will not pay out benefits. Some examples may include pre-existing medical conditions, reckless endangerment (e.g. if you die racing a car), or if you die while committing a crime. In situations like this, your beneficiary may not receive benefits.

If you’re concerned about what’s covered under your life insurance policy, contact your Financial Advisor and ask them about your specific concerns.

 

[shoota]

You need insurance to go hunting? news to me.

 

[3macs1]

You need insurance to go hunting? news to me.

Need no .REAL Nice to have if you get seriously hurt or killed when participating in hunting for who you leave behind or if someone hunting on your land sues you
Cheers

 

[8x68]

Compared to many people I know, OFAH/Intact has had the lowest rates. We have everything with them, home, auto, ATV. My son got married last year and bought a house. After much searching he ended up at intact. YMMV

You got a decent deal then, but be prepared for a hefty increase when it's time to renew. We were with Intact until they decided to raise our premiums substantially. No claims on our part. Intact's reasoning was that they were below what other insurance companies were charging (hence not making as much as they could). therefore felt that they needed to "keep up with the Jones's" as it were.
Not saying yours will increase just be prepared.

 

[Ardent]

Speaking from having to deal with massive amounts of insurance in my businesses, I truly despise insurance and insurance companies. My goal is to be able to put up the capital to self insure for business, as it’s a massive amount of money to pay for what they’ll do their best to make sure amounts to nothing should anything occur.

 

[Jgoulin]

Time to get quotes from a new insurance company. Sometimes insurance companies do stuff like this if the property is being operated as a business. My neighbour recently told me that his insurance company would no longer insure his house because he installed solar panels. Apparently that insurance company deems the solar panels as a business activity because they generate an income....first I’ve heard of that...

I am not claiming this is true, but a relative who is on the local FD told me their policy is to allow any structure with solar panels to burn while protecting any neighboring buildings. He explained it was a safety issue. Apparently one of the first things done is isolate the structure from the power supply to prevent electrocution while axing through roofs and walls, spraying water, etc. Something about the solar setup makes this impossible to do. I don't know if it's because of power storage or continuous generation. Must be someone on here knows more about this?

 

[8x68]

I am not claiming this is true, but a relative who is on the local FD told me their policy is to allow any structure with solar panels to burn while protecting any neighboring buildings. He explained it was a safety issue. Apparently one of the first things done is isolate the structure from the power supply to prevent electrocution while axing through roofs and walls, spraying water, etc. Something about the solar setup makes this impossible to do. I don't know if it's because of power storage or continuous generation. Must be someone on here knows more about this?

We had looked at installing solar panels when the government was offering their "make additional income, and contribute to the grid" program. It was pointed out to me by a firefighter who is a friend that they will not go on the roof of a house with solar panels that is burning due to the risk of electrocution. He said it's a containment situation to prevent other structures from being affected by the fire.

 

[3macs1]

Speaking from having to deal with massive amounts of insurance in my businesses, I truly despise insurance and insurance companies. My goal is to be able to put up the capital to self insure for business, as it’s a massive amount of money to pay for what they’ll do their best to make sure amounts to nothing should anything occur.

Makes two of us. Our business is only open 4 months a year yet I have to pay 12 months to keep the liability insurance.
Cheers

 

[freire]

You need insurance to go hunting? news to me.

In my opinion insurance should be mandatory for hunting.

 

[Ardent]

In my opinion insurance should be mandatory for hunting.

While it is and I agree with you for guided hunting, I completely disagree for resident hunting. There are enough barriers to the sport without requiring insurance companies a piece of it. The less bull#### the better for a resident’s / personal day in the wilderness.

 

[dakotamar]

We had looked at installing solar panels when the government was offering their "make additional income, and contribute to the grid" program. It was pointed out to me by a firefighter who is a friend that they will not go on the roof of a house with solar panels that is burning due to the risk of electrocution. He said it's a containment situation to prevent other structures from being affected by the fire.

if there is no line power to the solar panels, in my case, the panels will not produce power. if that is a problem for the fire fighters just tell them to disconnect the power. in my case you just have to hit the power breaker on the side of the house.

 

[blargon]

I would shop around for insurance before going with OFAH's. Brokerlink is owned by Intact Insurance. A broker is supposed to shop around for the best insurance price/coverage for you which obviously isn't going to happen.

Hard to get cheaper than $25/year for $5M liability.

OFAH members receive $5-million in excess personal public liability insurance coverage
OFAH membership includes a $5,000 Accidental Death & Dismemberment (AD&D) policy

OFAH members’ excess personal public liability insurance coverage is valid anywhere in Canada

OFAH members’ insurance program includes a search and rescue coverage component

OFAH members’ excess personal public liability insurance provides coverage for third party bodily injury or property damage claims

OFAH members could still have personal public liability insurance coverage available to them even if criminal charges are laid against you in connection with an approved activity (unique to OFAH membership)