I first put mine under my homeowners policy but then discovered that it wasn't covered once it left my home property as our farm is a separate entity so we created another farm of basically the 40 my home sits on which then also covers all the equipment in my personal account over the rest of our 3,000 owned and rented acreage. In fact it covers up to 200 miles from home but even then it doesn't cover me at my farm in Missouri, 700 miles from home base, where my mini-excavator spends its winters.