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  1. #1
    New Member
    Join Date
    Oct 2009
    Posts
    12
    Location
    Wayne County, Pennsylvania
    Tractor
    McCormick CT41

    Default Tractor Insurance

    Does anyone know where I can obtain insurance for my new McCormick tractor? My homeowners policy (agent) originally told me it was covered under homeowners but now they are saying it is not, Any help would be appreciated. Thanks...

  2. #2
    Veteran Member Treemonkey1000's Avatar
    Join Date
    Jan 2008
    Posts
    1,894
    Location
    Renton, Washington
    Tractor
    Kubota L3750

    Default Re: Tractor Insurance

    See if your Home owners insurance can give you a "rider" plan to cover it.
    1st Peter 1:6-9

  3. #3

    Default Re: Tractor Insurance

    I believe state farm offers tractor insurance policies.
    -- D. Robinson
    Contractor,
    Air Handlers Division

  4. #4
    Platinum Member NSBound's Avatar
    Join Date
    May 2003
    Posts
    924
    Location
    Nova Scotia Canada
    Tractor
    Landini 4140 HST

    Default Re: Tractor Insurance

    I had to go to Cooperators (Co-op) to get mine, and they would insure it at a higher rate until I take my house and car insurance there as well.
    Ian, now retired near Wallace Nova Scotia. 2008 Landini 4140H made by LS Tractors, FEL, toothbar, 6' box blade, bedder, middle buster, 5' Celli tiller, pallet forks, Pat's EC System, loaded tires, 2 rear remotes (standard on the Landini) . I bought my tractor from Cumberland Tractor, www.cumberlandtractor.blogspot.com . See the full story on building my hillside house in Nova Scotia at http://wallaceriver.blogspot.com/

  5. #5
    Platinum Member eepete's Avatar
    Join Date
    Sep 2009
    Posts
    962
    Location
    Efland, NC
    Tractor
    JD 4520, Kubota B21, JD 318

    Default Re: Tractor Insurance

    I called my State Farm agent yesterday to inquire about coverage on my tractors. They are covered under my homeowners policy for my use on my land. They are not covered if someone else uses them, if I take them off my land, or if I use them for commercial purposes. While the land is in agriculture use, it's hay and a farmer does all the cutting. I keep the place tidied up and keep the field edges clean but since that's not directly related to agriculture and is more a keep the value of the property up (just like mowing a lawn) it's OK. I explicitly asked about the tractors and gave their values (this is a JD 4520 with cab). BTW, we have home, auto, and an umbrella with them and don't claim things unless it's over $2500 or so.

    So for this casual tractor user / weekend warrior that's all I need, and it's another good reason not to loan anything out.

    Pete
    '09 JD4520 Cab (60HP), '97 KubotaB21 TLB (21HP), MX6 rotary mower, SB1106 6' Sickle Bar, BB3272 6' box blade, GradeMaster 7' Landplane, 6' landscape rake, Woods GTC 40" tiller, PHD 9" auger, 4' x 8' chain harrow, '90 JD318 (18HP gas) with 48" MM mower, 54" front blade, 47" snowblower.
    Volunteer Firefighter.

  6. #6
    Bronze Member roadhawk's Avatar
    Join Date
    Aug 2009
    Posts
    99
    Location
    The Pineywoods of East Texas
    Tractor
    NH TC40D

    Default Re: Tractor Insurance

    Try a place called :
    CNH Capital Insurance Agency
    5729 Washington Ave
    Racine, WI 53406
    877-814-1635

    They got us insurance from a place called
    Wesco Insurance Company
    55 Capital Boulevard
    PO Box 758
    Rocky Hill, CT 06067

    We got this recently and the home state was Alabama.

    State Farm told me (live in Texas) that the tractor was covered under my homeowners while it's on my property (bring them pictures, etc). I take it off the property and it's not covered. I trailer it (from AL to TX) and it's not covered even on my covered trailer behind my covered truck. I use it to make money it's not covered. I bring it to a friends house to do free help and not covered. On the road to get to another of my own properties, not covered.

    It's cheap. $95 for a year for $12,000 physical damage insurance and a low deductible (too low maybe) of $200.

    Notice it's not for theft though so if you leave it somewhere else you need to have it locked down well. If it gets taken from my house it's covered by State Farm just like if someone took my riding lawn mower. And also notice there is no liability insurance so don't go somewhere else off your property and start throwing rocks with your bush hog.

  7. #7
    Silver Member
    Join Date
    Aug 2009
    Posts
    164
    Location
    Coosa County AL
    Tractor
    Kubota L5740-HSTC,CC/Y EX3200, 1950 8N

    Default Re: Tractor Insurance

    I found the same as eepete. All of my insurance is with State Farm. You can get them to cover it as long as it stays on your property. However, one of the main reasons I bought my tractor was to work at our hunting lease. My agent was able to find a work-around. He knew about this because he bought a tractor for the same reason.

    I went ahead and insured it through them, but later changed it. I financed my tractor on one of the 0%, 60 month specials offered this summer. I found out that the finance company would insure it for about half what State Farm was charging, ~$120 per year vs ~$240.

  8. #8
    Gold Member
    Join Date
    Oct 2007
    Posts
    342
    Location
    North Texas
    Tractor
    John Deere 5203

    Default Re: Tractor Insurance

    Do you have a Farm Bureau in your county? They do all types of insurance. I think that farm business is their speciality.
    JD 5203, 522 FEL, 6' Bush Hog, 8' Land Pride Disk, 78" Box Blade

  9. #9
    Silver Member
    Join Date
    Sep 2008
    Posts
    194
    Location
    NE Missouri
    Tractor
    Case DX35

    Default Re: Tractor Insurance

    I bought a commercial policy underwritten by a company called Acuity. You can look them up on the internet to find a local agent. It covers my tractor and mowing and landscape type work. I didn't cover for excavation. It costs about $450.00 per year.

  10. #10
    Silver Member
    Join Date
    Dec 2006
    Posts
    194

    Default Re: Tractor Insurance

    I have all my insurance with State Farm. My tractor and implements would be covered under my homeowners policy while on my property but not while in transit or on any other property. I had them insure it and the implements under an inland marine policy which covers it anywhere. It was relatively cheap.

    Norm

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