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Tractor Insurance

I

Inno

Well-known Member
As I was pushing some brush with my 202 yesterday my mind was free to wander wherever it wanted. The smell of grass and other organic matter heating up as it passed over the exhaust made me think of all the "what ifs",which brought me to insurance for tractors. I'm sure that anyone that makes a living with their tractor is sure to have insurance on it but what about the average hobbiest with an old tractor? My old girl may not be a show piece but to replace her would cost me quite a few thousand dollars. How many of you have insurance on their small home use utility or compact tractor? I am definitely talking to the insurance company about mine on Monday.
 
Insurance on my 2010 Farmall 95 with loader, approximate replacement cost of 55k runs a little less than $300 a year.

Gordo
 
I asked my agent the same thing. She seemed to think it went under my homeowners policy. I have the same agent for both and was surprised when she missed an opportunity to get a few more dollars from me. I was going to take out a comprehensive auto policy against it.

Aaron
 
First step is to speak to your agent. My tractor is insured under my farm policy for replcement value. Doesn't matter if it burns to the ground, falls off a cliff, or is stolen. You really need to know just what they will cover and they only way to do that is to talk to them.

I switched when I found out that my "libility" insurance was limited to using it as a lawn mower when I had normal homeowers insurance. In other words if I wasn't on my place pulling brush hog, I had no libility insurance. If on the road moving from one place to another, no coverage. If I was planting, no coverage. If on someone elses place, no coverage.

Switched to a farm policy to get full libility for the hay and cow biz. It is now covered on the road, covered pulling anything, and covered on any ground I am working on. So is the combine. In short my azz is covered...........
 
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