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Ice Fishing





Insurance & Safety

Throughout the cold winter months, multiple activities can be explored while utilizing a frozen lake. One of these activities includes, ice fishing. While both fun and adventurous, ice fishing can also be dangerous and costly if not done safely. The following are common ice fishing insurance questions, answers, and safety tips.

Is my vehicle, snowmobile, or ATV covered if it goes through the ice?

In order for vehicle, snowmobile, or ATV to be covered you have to carry comprehensive coverage on the vehicle. Contact one of our agents at Farmers Union Insurance if you are not sure if your vehicle has the correct coverage. 

If my ice house/hut or fishing gear falls through the ice, how are these items covered?

In order for your ice house to be covered it does need separate insurance coverage specific to ice houses. Your fishing gear will be covered under your personal liability with your homeowners/renters insurance due to it being considered personal property. However, if you have a basic renters insurance policy, the personal property limits may not be high enough to cover these items and you may need to contact one of our agents for added coverage. If the incident occurs in or on your vehicle then your vehicle liability insurance would handle the coverage. 

What if guiding ice fishing has become my business?

Be sure to contact a Farmers Union Insurance agent about your operation so we can assist you in ensuring you have the proper coverage. Farmers Union Insurance has several associated companies for this specific coverage. We already insure several similar businesses and understand the local conditions and tourism operations. 

What kind of coverage do I need for a SnowBear?

Due to SnowBears being considered a vehicle, you will need a separate auto insurance policy for it. Farmers Union Insurance can confidently guide you through this process as we have already been insuring these vehicles. 

Safety Tips:

  • Share your fishing plans with friends and family 
    • Where will you be going​
    • When will you be back 
  • Follow ice thickness guidelines 
  • Carry ice picks/rescue claws
  • Make sure your vehicle and ice house are off the ice before your local deadlines
  • If the outdoor temperatures begin to steadily rise, use extra caution and remove vehicles and ice houses early
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