I've read a number of horror stories lately about hunters sued for various things while hunting. So, I contacted my homeowners agent about hunting liability. Here's what she had to say:

"From what I can tell by reading our homeowners contract and from what I understand of the policy our homeowners policy liability would cover you in that situation if you had your home insured with me. The only instance I can tell where it would be specifically excluded is if you were breaking a law, doing something criminal, like hunting out of season or on property where you didn’t have permission, or obviously, if you intentionally shot someone. Other than that we would cover someone in a hunting accident situation"

In short get permission (in writing if you're smart), don't break the law and have the right home-owners insurance. I have Farm Bureau, but I'm sure others cover, just check and make sure.

we talked to our insurance company about the same thing and they covered us for all the same stuff.

i am an insurance broker and as long as you have a "special forms" homeowners insurance policy that does not specifically "exclude" hunting accidents.. liability will be covered...(unless intentional or if you have broken the law)...but otherwise everyone should be safe

The last thing I am worried about is accidentally shooting someone. I don't even know how that happens, especially with a bow.

What kind of things are hunters being sued over?

Land owners sometimes lose their minds and sue hunters for property damage, livestock injuries, you name it.

Doesn't have to be true to be sued.