Doug is absolutely right. I have worked for 30 years in the insurance industry with dozens of companies as a broker and not once has any company ever mentioned deer damage as something they cant handle. Anything predictable is money in the bank for insurance companies. if they can predict the amount of deer claims (and they can) they can charge an appropriate premium and make a profit. It's the thing they can't predict like widespread natural disasters of terrorism that gets their shorts in a bunch.

In terms of the dollars spent on deer claims and it's impacton the insurance industry, it would rank about equal in importance to what your doctor spends on magazines for his waiting room.