Do I need fire insurance for land in a fire danger zone? (agent, property)

[jesse977]

I just bought some land in Big Bear. There are no buildings on the property just land and some wood fences that separate my land from the neighbors. Do I need fire insurance?

[NY Annie]

One gets insurance to repair or replace existing structures and/or for liability protection. Specific fire insurance - what would you want repaired or replaced due to fire damage? shrubbery, trees? or the fences?

However, there may be some reason to have insurance to protect your liability for fires started on your property travelling to another's property. I don't know anything about Big Bear - not even where it is.

[reed303]

Here are a couple of webpages you may find interesting:

Is Vacant Land Insurance Necessary?

Do You Need Vacant Land Insurance? - InsuranceQuotes.org

Do You Need Liability Insurance on a Vacant Lot? - Budgeting Money

[DMenscha]

Ask your home insurance agent to add the vacant land to your existing policy. I'm unaware of any insurance company that would write a policy for that purpose. I didn't click on any of the above links.

[Restrain]

Only if you have marketable timber, that sort of thing, and even then n surname would be iffy. But definitely get liability insurance.

[Hemlock140]

Originally Posted by Restrain

Only if you have marketable timber, that sort of thing, and even then n surname would be iffy. But definitely get liability insurance.

Yes, vacant land is often considered an "attractive nuisance" and you can be held liable if a bunch of kids play there and one or more gets hurt.