My attorney has a pat answer for almost everything I ask. His answer is, "It depends." And that is also my answer about insurance. (Hey RonR, sounds like you know my attorney!)
It depends on the insurance company. Yes there is a lot of standardization, but for special risks there are definately differences from company to company. Also, it depends on your use of the tractor as mentioned in other posts here; such as residential, farming or commercial. Sometimes it depends if it is taken off the premises.
You must depend on your agent to help you obtain the coverage you need. Tell the agent exactly what you want covered and under what circumstances. He/she should be able to offer the appropriate coverage and at a fair cost considering the exposure. If the agent is reluctant, refuses or appears to be unsure and cannot get the answers to your questions in a reasonable time, you need to find another agent on which you can rely.
General agents cannot be expected to know everything but they should be able to find out from their companies and give you a straight answer. The agent should not only be able to tell you how you are insured but he/she should be able to point out the language in the policy and let you read it yourself.
Your tractor may be "covered" per your agent's advice but you want to know "how" it is covered and "for what" perils and "where" is it covered. If you don't like the answers find another agent/company.
If you can't see it for yourself in the policy but your agent insists your tractor is covered for the risks you asked about, have the agent give you a letter on his letterhead stating how your tractor is covered signed by the agent. If the company later refuses to pay a ligitimate claim because the trator was not covered, the letter purporting coverage by the agent will get your claim paid under his/her errors and omissions policy. Make sure the agent has E&O coverage. I would never do business with an agent that didn't have an E&O policy.
And remember, "IT DEPENDS!" /forums/images/graemlins/wink.gif