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<blockquote data-quote="Texas PaPaw" data-source="post: 152952" data-attributes="member: 2905"><p>HFD</p><p></p><p>The way I interpret your post is you have permission to use the property but don't own it. Please clarify the ownership issue? As far as getting sued, anyone can sue anyone for just about any reason. The big problem with even groundless suits, is you still have to defend yourself (can you $pell Lawyer$$) If you have premises liability insurance for this specific property it should provide for defense costs plus any judgements against you, subject to the $ limits of the policy. The first place i would check with for coverage is your current insurance agent. there is a possibility he can add an endorsement that will extend your homeowners liability to this property. If you do not own the property, make sure he knows this. If you do not own the property it may still be possible to get coverage for yourself. In order to do this you will need to have an 'insurable interest" in this property. A written lease which requires the tennant to provide coverage for the leased property is one way to establish an insurable interest. A knowledgeable agent should know how to handle this. A number of insurance companies do not want any farm related liability exposures. If you encounter this, i would suggest you try to find a CalFarm or Allied insurance agent. The last I knew, they wrote wrote farm risks. A stand-alone farm liability policy should do the job if your homeowners carrier will not add this to your current policy. My best guess is the premium for a stand alone policy would be between $100-$200 yr. If this can be added as an additional premises to a homowners it should be even cheaper. Also, make sure you liability limits are at least $250,000 if not higher. Higher liability limits generally cost very little more than low limits. With today's medical costs and runaway jury awards even $250K could be gone in a heartbeat.</p><p></p><p>Also, a brief call to your personal attorney would probably be wise.</p><p></p><p>As suggested by others, I would have a friendly chat with the neighbor parents. However, first I would visit with law enforcement agency that has jurisdiction for this property and find out what they suggest. While chatting with the neighbors, I wouldn't mention talking to the law, unless they are not receptive. If they seem reasonably cooperative and friendly, no need to muddy the waters unless they force the issue.</p><p></p><p>Hope you find this post helpful</p><p>Merry Christmas and best wishes to all.</p><p></p><p>Brock</p></blockquote><p></p>
[QUOTE="Texas PaPaw, post: 152952, member: 2905"] HFD The way I interpret your post is you have permission to use the property but don't own it. Please clarify the ownership issue? As far as getting sued, anyone can sue anyone for just about any reason. The big problem with even groundless suits, is you still have to defend yourself (can you $pell Lawyer$$) If you have premises liability insurance for this specific property it should provide for defense costs plus any judgements against you, subject to the $ limits of the policy. The first place i would check with for coverage is your current insurance agent. there is a possibility he can add an endorsement that will extend your homeowners liability to this property. If you do not own the property, make sure he knows this. If you do not own the property it may still be possible to get coverage for yourself. In order to do this you will need to have an 'insurable interest" in this property. A written lease which requires the tennant to provide coverage for the leased property is one way to establish an insurable interest. A knowledgeable agent should know how to handle this. A number of insurance companies do not want any farm related liability exposures. If you encounter this, i would suggest you try to find a CalFarm or Allied insurance agent. The last I knew, they wrote wrote farm risks. A stand-alone farm liability policy should do the job if your homeowners carrier will not add this to your current policy. My best guess is the premium for a stand alone policy would be between $100-$200 yr. If this can be added as an additional premises to a homowners it should be even cheaper. Also, make sure you liability limits are at least $250,000 if not higher. Higher liability limits generally cost very little more than low limits. With today's medical costs and runaway jury awards even $250K could be gone in a heartbeat. Also, a brief call to your personal attorney would probably be wise. As suggested by others, I would have a friendly chat with the neighbor parents. However, first I would visit with law enforcement agency that has jurisdiction for this property and find out what they suggest. While chatting with the neighbors, I wouldn't mention talking to the law, unless they are not receptive. If they seem reasonably cooperative and friendly, no need to muddy the waters unless they force the issue. Hope you find this post helpful Merry Christmas and best wishes to all. Brock [/QUOTE]
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