Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
In some locations, allowing someone to hunt on your land requires none of the licenses or permits that being allowed to hunt does; in fact, in some places all that’s legally required is the landowner’s permission. But permitting others to hunt on your land can carry liability risks that a simple insurance policy can help protect against.
Though hunting is often associated with the idea of free and wild land, in some locations, there is in fact a relatively small amount of public hunting grounds. Depending on the region, almost all of the local available hunting grounds may be leased from private owners.
“Any landowner who offers their land to be used by hunters must protect themselves with a separate hunting lease liability policy,” says Sean Ferbrache, chief operating officer of the American Hunting Lease Association. Hunting lease liability insurance is a multipronged policy that covers both landowners and hunters.
While homeowners insurance typically covers injury and damaged sustained by someone hunting on their own property, the rules change as soon as a homeowner allows others to hunt on his or her land. Homeowners insurance often covers a guest invited to hunt with the landowner, but even a personal invitation triggers an automatic legal expectation of safety, says Ferbrache. Landowners can be and have been sued successfully by people they invited on to their property, he notes.
Homeowner’s insurance coverage typically does not apply when someone charges a fee to hunt on their land, necessitating both a hunting lease and hunting lease insurance. The insurance includes liability coverage, as well as coverage for medical expenses and property damage, including fire.
“So, a landowner is protected from lawsuits resulting from any injury suffered on their property that they could be found legally liable for, and the hunters are covered against damages they may cause to the landowner’s personal property while hunting,” Ferbrache says.
Policies also typically cover liability for common equipment like tree stands and ATVs, which can cause injury or damage. Bankrate reports that insurance experts are seeing a sharp rise in claims related to injuries from ATVs in particular.
A landowner needs to have a hunting lease to purchase an active hunting lease liability policy, Ferbrache says.
“There must be a written agreement – a lease – between the landowner and the hunter or hunters,” he says. “It should be well thought out and include a list of all species to be hunted, the dates the lease is available, an agreed-upon price and any other requirements the landowner has of the hunters.”
While most insurance providers won’t ask for a copy of the lease to get insurance, it is essential if a claim is filed. Landowners should obtain a lease for each hunter or group and keep the document on file, Ferbrache says, and most insurance providers have a hunting lease template that can smooth the process for landowners.
The biggest risk a landowner can take, according to industry experts like Ferbrache, is assuming their homeowners insurance policy or a state liability waiver is enough to protect them and their families. Some states offer liability waivers to encourage landowners to allow hunting on their land, even for a fee. Ferbrache warns that while hunters may have signed liability waivers, their spouses likely have not, and a spouse suddenly faced with being the family’s sole breadwinner may decide they have few better options than to sue the landowner.
“Although these types of waivers are a good idea, they simply can’t go far enough to really protect the assets of a landowner,” he says.
Hunting carries serious risks and liabilities that hunters and landowners should address well before any hunt takes places. A simple hunting lease liability policy allows landowners to better ensure their own protection while still letting hunters and hunting clubs enjoy the land and the sport.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.