When firearm deer season opens November 15, a lot of Ionia County landowners hear the same question from a friend, a coworker, or a nephew: “Mind if I hunt your back forty this year?” Saying yes is a Michigan tradition. Before the blaze orange shows up, it’s worth understanding how state law and your home insurance fit together.

Three Questions to Ask Before Hunters Arrive

1. Is anyone paying to be there?

The protection generally hinges on the use being free. Charging a hunting lease fee or accepting other valuable consideration can change the picture significantly, so talk with your agent before any money changes hands.

2. Is the land actually on your policy?

A homeowners policy usually covers the residence premises. Extra acreage, especially a separate parcel that isn’t attached to your homestead, may need to be listed specifically for liability coverage to extend there.

3. Are there hazards you already know about?

An old tree stand with rotting boards, an uncovered well, or a known washout can raise questions about negligence. Removing or clearly marking known hazards is both kind and smart.

Why Liability Coverage Still Matters

Even with state protections, a landowner can still be named in a claim. Homeowners liability coverage, and an umbrella above it, can help with defense costs and the outcome if a dispute arises.

A Landowner’s Hunting Season Checklist

• Give written permission and keep a list of who’s hunting your property
• Mark property lines and areas that are off limits
• Inspect or remove aging tree stands you own
• Confirm all your acreage appears on your policy

Mike Kirgis Insurance Agency helps homeowners and landowners across Ionia County make sure their coverage reaches every corner of their property before hunting season begins. To review how your acreage is listed, stop by our Lovell Street office or reach out through Mike Kirgis Insurance Agency in Ionia, MI.