ORIGINAL: STLPilot
But as some city folks will shout, you would probably have homeowners insurance on the land
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.
Maybe the north has a high IQ. In fact they probably invented the test, but here in the south, it's not how much you think, but the quatlity of those thoughts.
We don't need much money either. What a bundle of money and a lawyer can get ya up north, a gun will git you down here.[X(]
(much cheaper that way)
Skiman, good luck with the field!