Question re small landholding insurance Any advice/wisdom appreciated, since I have no experience in this area.
Prompted by a comment by
@Memo on my journal about public liability for people doing stuff on my land, and catastrophic fire warnings, I’ve been giving this more consideration. I have 3 houses on my block of a couple of hectares, which are insured with NRMA which includes public liability.
Possibly naively, I hadn’t really given more insurance than that much thought.
And since then we are slowly accumulating large block stuff eg ride-on mower, tools, and now have goats inside an electric fence., which we have moved nearby a boundary with a number of backyards from urban houses backing onto it. Although its all signposted and won’t do anymore than give a human a jolt, I now worry about kids coming in and mucking around and getting into trouble with it. We also have 8 sheds/outhouses of various sizes and in various states of repair (some unusable). Initially I was a bit dismissive of their value, but now can see if they were destroyed along with their contents I might be up for a fair bit.
I’ve also been made aware there are already several neighbours collecting wood, walking their dogs etc (without asking, and in spite of a private property/no trespassing sign). I don’t have a particular problem with their activities, but I wouldn’t like them to sue me if something happened!
NRMA doesn’t seem to do this insurance. Anyone had any experience with other providers?