Most us city slickers know the difference between home owners insurance and property insurance.

Property insurance doesn't carry the same protection as home owners insurance unless you include a rider or a peril. Homeowners covers much more, which includes general liability, and you can't just decide to put homeowners on a piece of land, it's for a home, hence the "home"owners. In the case of the property insurance, I'm pretty sure you would need to include a peril which names the event or activity you wish to partake on that land for protection.

But hey, what do us city folk know anyhoo. But I'm only from PA, still a top 10 IQ state, but if you really want to be sure ask someone from CT, those guys are brilliant.