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Do I need insurance for undeveloped property?



If you own undeveloped property, must it be protected by a separate insurance? The section for personal insurance in your homeowner can cover vacant land up to a certain limit. If a lawsuit is brought against you for personal injury on the property, the insurance limit may be too low.

Personal insurance can be purchased separately or is part of your homeowner – up to a certain limit. If you own undeveloped property, it is in your best interest to have your insurance policies reviewed and ensure that you have coverage that provides adequate protection against liability.

Claims and lawsuits: Undeveloped property cases

Your vacant property can be reached by hunters, fishermen, hikers, children or others. If a person is injured while you are on your property, you can be held liable. You may be planning to sell the property in the future, build a summer home or nursing home or use the land for hunting, fishing or hiking. Regardless of your reasons for owning vacant land, you must be protected from the risk of claims and lawsuits. The insurance limits for your personal insurance should be reviewed to ensure that your coverage is adequate if another person is injured or dies while you are on your property.

Do you need personal insurance for undeveloped property? the property is used. If it is reached by hunters and fishermen, you can be held responsible if a hunter or fisherman is injured. You may not be aware that hunters use your property – but lack of knowledge does not protect you. Undeveloped land can be reached by mountain bikers and ATV cyclists, which entails additional risks. Meet with one of our local agents to review your current policy to evaluate the need for additional coverage.

What does personal liability insurance cover?

Personal liability insurance protects against several risks, including:

  • Personal injury: If a person is injured on the undeveloped property, this insurance provides coverage. The injuries that an injured person pursues can include costs for medical care, lost wages and pain and suffering.
  • Property damage: You can be protected against certain dangers in your personal insurance, such as a falling tree that damages an adjacent structure or fence.

Personal Liability Insurance and Vacant Land

Your undeveloped land may be covered by your current homeowners policy, but you must be aware of the boundaries. You can increase the levels of personal liability insurance on your existing insurance, or buy a separate insurance, based on your situation and budget.

You may need to put up "no intrusive" signs on your property, or if you allow others to access, warning signs for rocks, ponds, rivers or other dangerous areas. One of our helpful agents can talk to you about your undeveloped property and give you advice on the coverage that makes sense to you. We are always looking for the best at the lowest price considering your budget.


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