There have been many threads on this subject, all with the same result. You need to look at INLAND MARINE for the best coverage for our tractors and equipment, especially if you use it for anything off your property and sometimes even on your property.
Example I have two houses with 4 apts on the same parcel ,I live in one of the apts. and wanted to use my tractor for variuous chores here and discovered that it would not be covered under my home owners or landlord policies, because any rental property is considered commercial and does not cover the tractor and equipment. If I go plow snow for the elderly neighbor it wasn't covered etc,etc.
So I found a company that would carry me with Inland Marine , then I went to a FARM SHOW, and talked to an insurance agent that specialized in rural and ag insurance and discovered I was getting ripped off by the first company. The old policy only covered my tractor and none off my equipt. The new one was HALF the money for twice the coverage and they included all my equipment. The only thing I didn't get a rider for was excavation with the backhoe, that adds a lot ,so I'm very careful about that work.
Anyway search the threads for INLAND MARINE ,you'll find lots of them.
BTW the company I have is WAYNE COOPERATIVE INSURANCE, in Clyde NY, I believe its a farmers coop. company.
So get covered, even if you don't plan to use it off your property, get protected.
