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  1. #11
    New Member
    Join Date
    Mar 2011
    Posts
    3
    Location
    ukiah, ca
    Tractor
    kubota L3430GST and BX23

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    just so you all know, most dealers add the price of the insurance into the payment at the beginning. I'm in no way a fan of anykind of insurance, but the kubota KTAC insurance is an exceprional policy and a great value. L have it on my 2 tractors. it covers many things and it also pays for the dealer to come and pick up and return your tractor durring the repair period, all your responsible for is the deductable of $250.00 and no it is not a liability policy

  2. #12
    Silver Member
    Join Date
    Jun 2005
    Posts
    249
    Location
    andes ,new york
    Tractor
    bx24

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    i had added it when it was new .last year i made a mistake and rolled it .the bill was close to 2500-3000 and all i payed was 250 .when the 3 years are up i will be taking it out again .thats my 2 cents to it :-)
    07 bx 24 polaris 800 sportsman

  3. #13
    Silver Member Boris1's Avatar
    Join Date
    Jul 2003
    Posts
    156
    Location
    NE MD
    Tractor
    Kubota L5740HTSC FEL-RTVX1120 Camo-JDX540

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by tractorpimp View Post
    just so you all know, most dealers add the price of the insurance into the payment at the beginning. I'm in no way a fan of anykind of insurance, but the kubota KTAC insurance is an exceprional policy and a great value. L have it on my 2 tractors. it covers many things and it also pays for the dealer to come and pick up and return your tractor durring the repair period, all your responsible for is the deductable of $250.00 and no it is not a liability policy


    Does the deductible apply on the repair transportation as well?
    Kubota L5740HTSC FEL, Woods SS74 snow blower, Woods RM8400 Mower, Leinbach Post Hole digger & John Deere X540

    "They are your friend, your partner, your defender, your dog.
    You are their life, their love, their leader.
    They will be yours, faithful and true, to the last beat of their heart.
    You owe it to them to be worthy of such devotion."
    Author unknown

  4. #14
    Bronze Member Goosen1's Avatar
    Join Date
    Mar 2011
    Posts
    83
    Location
    Buffalo
    Tractor
    L3400HST

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by andrec999 View Post
    What about liability insurance !!!!

    Does KCAC cover you if you seriously injure somebody while snowblowing or a kid gets caught on the PTO!!!

    Just wondering.
    No... It's just damage to your tractor.

  5. #15
    Elite Member
    Parts Supplier
    MessickFarmEqu's Avatar
    Join Date
    Feb 2004
    Posts
    4,912
    Location
    Lancaster County, PA

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by Boris1 View Post
    Does the deductible apply on the repair transportation as well?
    transport is included in the policy, so yes it does. Oddly.. if you have a warrenty repair transport is not covered, but if you have an insurance claim it is.

  6. #16

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by Goosen1 View Post
    No... It's just damage to your tractor.
    As Messick's stated, the policy covers repair transportation as well so the only out of pocket expense is $250. Of course, if you decide you want to add something like a new canopy then it is on your own dime.

  7. #17
    Bronze Member
    Join Date
    Aug 2009
    Posts
    85
    Tractor
    Kubota B7510

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Must your kubota be new to obtain coverage? I purchased my B7510 new but did not get insurance. Don't actually remember it being offered and I did finance it through Kubota. It is paid for now though.

  8. #18
    Bronze Member
    Join Date
    Sep 2007
    Posts
    63
    Location
    Idaho
    Tractor
    Kubota MX5000DT

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by Goosen1 View Post
    No... It's just damage to your tractor.
    My homeowner's policy with Safeco Insurance covers everything, except for two of the items listed on KTAC website, with no extra surcharge/premium. In addition, my homeowner's policy includes liability on and off my property. The only two differences between my homeowner's policy and KTAC were:

    [1] Flood coverage. But for the price of the KTAC premium, I found that I could easily add a rider to my homeowner's policy that covers ALL of my personal property in the event of flood (not just the tractor).
    [2] Tractor damage off my property. This is the only thing that would drive me to purchase KTAC insurance. My homeowner's policy covers liability off my property, but not damage that could be incurred by the tractor itself as it's being used. My homeowner's policy does cover damage incurred while in transport. I don't use my tractor off my property, so this coverage is not of value to me.

    I would advise everyone to check their homeowner's policies closely (read it). If it's unclear what is and isn't covered, then call your agent and have them research it (that's their job). I spent a week going back and forth with my agent to get a clear, unambiguous statement of what is and isn't covered with regard to my tractor. The agent was extremely helpful. I did this because I was curious about purchasing KTAC. I found that KTAC coverage simply was not necessary unless I was using my tractor off my property.

    Just my 2 cents.......
    Kubota MX5000DT

  9. #19

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Ezzrider... Yes. KTAC has a policy for all kubota customers which includes used equipment.

    IdahoTractor... I agree everyone should do research because not everyone deals with the same risks or has the same needs. However, I disagree about using a homeowner policy for coverage on anything other than your home. Did you ask your agent if he will raise your rate or possibly drop your coverage all together in the event you need to file multiple claims? Filing a claim against hail damage on your home's roof, hitting a stump with your tractor, and a pipe bursting in your kitchen sink may cost you more than just higher premium. Keep in mind, a $25k tractor is insured with KTAC for $300 a year ($25/mo) and comes with a low $250 deductible...

  10. #20
    Silver Member zmjc's Avatar
    Join Date
    Feb 2011
    Posts
    162
    Location
    Eastern Ontario
    Tractor
    L3800HST

    Default Re: KTAC Insurance Agency- A Kubota-Endorsed Insurance Program

    Quote Originally Posted by ktac View Post
    Did you ask your agent if he will raise your rate or possibly drop your coverage all together in the event you need to file multiple claims?
    I'm in Canada, so I couldn't use KTAC . My insurance broker eventually found a company that would insure my tractor (liability, and general perils) under a household policy, BUT they almost walked away when they found I'd filed a claim for ice-dam damage on my roof a few years ago. Luckily, at the time, the adjuster said we'd be better off fixing it ourselves, so we didn't proceed with the claim. But the agent had to dig out the records proving that. (I wasn't sure at the time if the adjuster was providing honest advice, or saving the insurer a few bucks. Now I think he was honest!)

    Anyway: KTAC is right, mixing insurance is undesirable if you can avoid it.

    And I wish KTAC was in Canada.

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