Insurance for land / Liability insurance

   / Insurance for land / Liability insurance #11  
We had a family move into a foreclosure down the street several years ago. 3 wild boys and the parents were stereotypical definition of white trash. No one could park on the street anymore since they would ride their bikes along parked cars gouging (not scratching - gouging) down the sides, knock over mailboxes, tear up people's landscaping, turning on outdoor faucets just letting water run full blast - always into something and very destructive kids. Of course the parents didn't care and just claimed it wasn't their kids whenever neighbors confronted them about whatever they tore up that day.

So we had a trampoline in yard for our boy. Some of our other neighbor's kids used it too & we didn't care, but we asked the parents to be present and supervise - I didn't want random kids out there on it without supervision. We always hung around there when our boy was on it. After several instances of these maniacs using it (and destroying the netting, leaving trash in it, flipping it over), I asked the parents for probably the 5th time to either keep their kids off it OR do as I asked and be there with them to monitor them - I didn't want anyone getting hurt. So a couple times after that we came home to find these kids unsupervised on the trampoline. At that point told them and the parents they aren't allowed on it period and to stay out of our yard & driveway.

So about a month after that, momma turd shows up at my front door with a stack of paperwork and one of the hellions in tow. "My kid got hurt on your trampoline a couple days ago. I had to take him to the doctor. His back is injured, he needed all kinds of x rays and tests, we don't have medical insurance. Here are the bills - you need to pay them!" I politely [not really] reminded her that I asked several times that she monitor her kids and when she chose not to, told her and the kids they weren't welcome on our property. Kid shouldn't have been there in the first place to get himself hurt. She threatened to sue if I didn't pay the bills. Pretty much told her to go screw herself at that point and shut the door on her. They got foreclosed/evicted about a month or so later & nothing ever came of it.

I'm sure my insurance would have just paid it, but I wasn't even going to look into it. Screw 'em.... But had she followed through, I'm sure I'd have been on the hook for her trespassing child's injury....
 
   / Insurance for land / Liability insurance #12  
Homeowners on my house and property, liability on our property in NY. The NY property abuts power lines in the back, so there is a lot of 4 wheeler and snowmobile traffic. Its posted, but we've had a lot of stuff stolen and I think that is the way its been leaving the property.

I'm just waiting for someone to claim injury on our property. Its ridiculous, but I'm sure they would win in court. Almost makes you want to put rusty bear traps all over the place. If you're gonna get hurt on my property, have something to show for it.
 
   / Insurance for land / Liability insurance #13  
You'd think - but man traps - on your own private, posted, fenced, property are a whole new can of worms.

Us owning property is really an illusion. The state owns it all ultimately.....
 
   / Insurance for land / Liability insurance #14  
Homeowners on my house and property, liability on our property in NY. The NY property abuts power lines in the back, so there is a lot of 4 wheeler and snowmobile traffic. Its posted, but we've had a lot of stuff stolen and I think that is the way its been leaving the property.

I'm just waiting for someone to claim injury on our property. Its ridiculous, but I'm sure they would win in court. Almost makes you want to put rusty bear traps all over the place. If you're gonna get hurt on my property, have something to show for it.
As I stated previously, Maine, NH and a lot of other states have laws specifically protecting landowners in those circumstances... unless you do something to intentionally harm somebody. .
 
   / Insurance for land / Liability insurance #15  
I heard about this guy who....

Does anybody have something that they didn't hear? I do have an umbrella. But I always skeptical of what people believe and tell you. People are poor with facts because they don't bother, or leave things out for whatever reason they have.

Then you have laws of different states.


I am not saying vacant land does not need to be insured. I would just research what is right for you. Talk to insurance agent, but also make some effort and read up on what they tell you.


As said, I do suspect charging sometime to come on your land or paying someone to come on your land for something, change things.
 

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