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  1. #1
    New Member
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    Jun 2004
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    Default 2013 Kubota L3800HST

    Demo unit with 91 hrs, full factory warranty, rear remotes, SSQA bucket for 19,500 & 0% for 60 mos. A little late to ask if this is a deal or not since I already put 1000 down. I just started reading the buying/pricing forum tonight and was alarmed to read that I may be required to purchase their insurance. Will they accept a rider policy on my homeowners? I have AAA, and I hope they will be able to insure me for a reasonable rate.

    I was originally looking used in the 30hp range, but for the prices I was seeing for tractors with ~200 to 1500+hrs and having to finance on my own with interest this seemed like the right deal. I hope I was correct.

    thanks,

    Paul

  2. #2
    Platinum Member ddb123's Avatar
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    Oct 2011
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    527
    Location
    Southwest MO
    Tractor
    Husqvarna YTH2048

    Default Re: 2013 Kubota L3800HST

    Can't really comment on the price, but in terms of insurance I believe you'll be fine with a rider policy. Of course, they will probably try to steer you toward their insurance, regardless.

    Congrats on your tractor, I'm sure you'll love it.
    1985 Ford F-350 6.9L diesel
    Husqvarna YTH2048 22 hp B&S
    Kubota L3540 HST *gone!*
    Kubota L4300 Gear *gone!*

  3. #3
    Elite Member dragoneggs's Avatar
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    Jun 2013
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    4,459
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    Seabeck, Washington
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    Kubota BX-25D, Z122RKW-42, and JD circa 1990 Lawn Tractor

    Default Re: 2013 Kubota L3800HST

    you don't have to buy their insurance but price it out vs. your homeowners. i ended up going with the kubota insurance... didn't want a claim (black mark) on my homeowners if something happened.

  4. #4
    Platinum Member Monster5601's Avatar
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    May 2010
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    Oakland, MI
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    Kubota B3030 R4 Tires

    Default Re: 2013 Kubota L3800HST

    Tractor insurance varies between states, in Michigan for example, you can only get up to $15,000.00 (if I remember correctly) of coverage as a rider to your home owners' policy. Look over the KTAC Insurance thread in the kubota forum, this isn't your typical insurance policy, it is actually a very good policy and I though quite affordable in comparison to my home owner's rider.
    Bob, n8zcc

    Kubota B3030 with R4s
    LA403, 60" bucket with hooks, bolt-on tooth bar, ratchet rake
    BH76 with 16" bucket and thumb
    Kubota Pallet Folks
    Bush Hog 35-06 72" Rear Blade
    Bush Hog SBX60 Box Blade
    Bush Hog Razorback RZ160
    Kubota ZD323-60
    Kubota RTV900 with Curtis hydraulic angle plow

  5. #5
    Elite Member coobie's Avatar
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    Sep 2004
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    3,377
    Location
    S.Michigan
    Tractor
    Kubota RTV 900, JD 740,Kioti DK 40 with KL401 loader .

    Default Re: 2013 Kubota L3800HST

    Quote Originally Posted by Monster5601 View Post
    Tractor insurance varies between states, in Michigan for example, you can only get up to $15,000.00 (if I remember correctly) of coverage as a rider to your home owners' policy. Look over the KTAC Insurance thread in the kubota forum, this isn't your typical insurance policy, it is actually a very good policy and I though quite affordable in comparison to my home owner's rider.
    I live in Michigan and have a $30,000 insurance rider on my homeowners policy for my 2012 Kioti cab tractor.
    Kioti DK40se hst cab with KL401 loader,Kubota RTV 900,John deere X740,Kioti 73 inch tiller.Ingersoll 4020 3pt,troy bilt tiller,Billy goat brush cutter.

  6. #6
    Elite Member
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    Dec 2007
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    3,200
    Location
    texas
    Tractor
    7040 HDC 1153 fel

    Default Re: 2013 Kubota L3800HST

    youll have to check an see if you can add it to your home owners ins.if not youll have to go with kubota or find some1 thatll ins it for you.as you have to have ins since you owe on it.

  7. #7
    Elite Member
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    Jan 2011
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    4,293
    Location
    Fanning Springs, Gilchirst County, North-Central Florida
    Tractor
    Kubota Tractor Loader L3560 HST 37-hp / 5,400 pounds

    Default Re: 2013 Kubota L3800HST

    I have kubota insurance on my Kubota financed B3300SU.

    If this is your first tractor, take Kubota's insurance without complaint. It is almost certain you will have two or more claims during the finance period, despite $250 deductible. This is part of the price of learning how to operate a tractor.

    I had one claim for $1,700 for which Kubota paid with no hassle. Total out-of-pocket expense $250.

    There are numerous posts in the T-B-N- archive regarding Kubota's insurance. About 99% of posts are positive.
    Last edited by jeff9366; 10-30-2013 at 01:16 PM.
    The word tractor was taken from Medieval Latin, being the agent noun of trahere to pull, draw "



    Kubota B3300SU; no longer with me but still pulling in the community.

  8. #8
    Elite Member
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    Red Bluff, CA
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    Changes often!

    Default Re: 2013 Kubota L3800HST

    Quote Originally Posted by jeff9366 View Post
    If this is your first tractor, take kubota's insurance without complaint. It is almost certain you will have two or more claims during the finance period, despite $250 deductible. This is part of the price of learning how to operate a tractor.
    In my experience, most people make zero claims during the insurance period (while financed). If it was almost certain you will have a couple of claims, then tractor insurance cost would skyrocket. We find that tractor insurance is usually cheap, and that is because few people ever make claims.

    But certainly in your case with the bad luck of two claims already, the insurance was a very good thing.

    With Mahindra in California, a $20k tractor cost about $9/month to insure against physical damage. I wish cars were so cheap.
    Dave
    Dave's Tractor, Inc.
    Red Bluff, California

  9. #9
    Super Member
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    Apr 2000
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    central New York
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    all makes and models

    Default Re: 2013 Kubota L3800HST

    We have people that do try and add it to their home policy and most companies will not cover it to the extent that kubota does. On most of the claims we get to fix, a home owners policy holder would be telling them sorry!

  10. #10
    Elite Member
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    Changes often!

    Default Re: 2013 Kubota L3800HST

    I agree Art. Most homeowner policies cover tractors only while on the property and only for listed perils, and never if used for hire or off the property. Works for some folks, but is pretty limited. Ranch or farm policies often give good coverage.
    Dave
    Dave's Tractor, Inc.
    Red Bluff, California

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