Ron, I would assume it varies from state to state, but my agent told me farmers' insurance covers them on the road.
Since I am not a farmer, my tractors would be covered under my home owner's insurance as long as they were used only on my property and only for maintaining that property. They would not be covered on the road even between two of my properties.
The kicker was that any tractor hauled on my trailer would not be covered at all in my case. Same for any antique tractors I have that are clearly not used for maintaining the property.
I had to buy separate policies for them to cover them on the trailer in the event of an accident, or in the barn in the event of a fire, etc.
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