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.<\/p>\n
When someone uses your land for outdoor recreation like hunting, fishing, or hiking without paying you, Michigan law generally limits your liability for their injuries. The main exceptions are injuries caused by gross negligence or willful and wanton misconduct.<\/p>\n<\/div>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
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<\/a> in Ionia, MI.<\/p>\n","protected":false},"excerpt":{"rendered":" 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[9,10,11],"class_list":["post-9","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home-insurance","tag-ionia","tag-mike-kirgis-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t