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  1. #1
    Platinum Member lakngulf's Avatar
    Join Date
    Oct 2009
    Posts
    873
    Location
    Lake Martin Alabama
    Tractor
    Kioti CK30

    Default Tractor Insurance

    Not sure this is the best area for this question, but it deals with ownership, so here goes: What does everyone do regarding tractor insurance?

    There are times when I keep my tractor in a neigbhor's barn at the hunting land. Recently, there was a lightening fire that scorched some of the field near the barn, and would possibly have gotten to the barn except for the volunteer fire fighters. Also, while behind locked gates, the barn is in a remote area.

    To get the tractor from home to hunting I used a 16 foot tandem trailer.

    What kind of insurance do I need, and where do I go for it?
    Kioti CK30, KL130 FEL with Markham Toothbar, Land Pride 6' Mower, Atlas 6' BB,KK Tiller, KK Bushhog, Chisel Plow, Howse 66" Disc, 7' Spike Tooth, Hollow 300 Seeder

  2. #2
    Platinum Member rjkobbeman's Avatar
    Join Date
    Apr 2010
    Posts
    964
    Location
    USA
    Tractor
    Kubota M8540HD-12 2010

    Default Re: Tractor Insurance

    Search on this term at google:

    tractor insurance site:tractorbynet.com

    You will find a lot of discussion...
    M8540HD12-1, R4s, Weights, 2 Remotes, Rear Lights, Down Exhaust
    LA1353 FEL, QA 72" Bucket, Self Leveling Valve, 3rd Function Remote
    CCM Category II Hydraulic Toplink
    QA 48" Pallet Forks
    M8180 Ballast Box with concrete
    LP QH-20 Quick Hitch
    LP RCR2672 6' Rotary Cutter
    LP GS2596 8' Grading Scraper
    BAC BG-10 Post/Tree Puller

    BX2370RV60-1, R4s, 60" Mower, Loader Valve
    LP QH05 Quick Hitch
    Rear Remotes
    40 gallon 3ph sprayer
    Subsoiler with wire spool provision


  3. #3
    Elite Member smstonypoint's Avatar
    Join Date
    Oct 2009
    Posts
    4,537
    Location
    SC (Upstate) & NC (Piedmont)
    Tractor
    NH TN 55, Kubota B2320 & RTV 900, Bad Boy Outlaw 61" ZTR

    Default Re: Tractor Insurance

    Quote Originally Posted by lakngulf View Post

    What kind of insurance do I need, and where do I go for it?
    There have been several threads on this. Here's a recent one. I think there are scads more.

    http://www.tractorbynet.com/forums/k...here-when.html

    Steve

  4. #4
    Elite Member Mousefield's Avatar
    Join Date
    Aug 2008
    Posts
    2,521
    Location
    Qualicum Beach on Vancouver Island, BC. Canada
    Tractor
    2008 CK35 HST

    Default Re: Tractor Insurance

    I have mine as an extra rider on my homeowner's policy. It only covers the tractor while it is on my property. Interestingly when I asked about insuring it for the road they would not do that and cover me under the homeowners insurance at the same time, still haven't figured that one out.

  5. #5
    Elite Member blueriver's Avatar
    Join Date
    Oct 2007
    Posts
    4,820
    Location
    S.E.Oklahoma
    Tractor
    JD 5520 Montana 4340 Farmall Super C

    Default Re: Tractor Insurance

    I sent you a PM with some information.

  6. #6
    Gold Member
    Join Date
    Apr 2010
    Posts
    284
    Location
    Blair, NE
    Tractor
    3038E

    Default Re: Tractor Insurance

    I think you will find most people are already covered under their home owners insurance policy for private use, and only require additional insurance if doing work off the property.

  7. #7
    Elite Member Chilly807's Avatar
    Join Date
    Sep 2009
    Posts
    3,240
    Location
    Nova Scotia
    Tractor
    Kubota L3400DT

    Default Re: Tractor Insurance

    Quote Originally Posted by Mousefield View Post
    I have mine as an extra rider on my homeowner's policy. It only covers the tractor while it is on my property. Interestingly when I asked about insuring it for the road they would not do that and cover me under the homeowners insurance at the same time, still haven't figured that one out.
    I have mine insured under a commercial automotive policy, the homeowners would only cover up to 25 HP as I recall. kubota requires "fire and theft" or specified perils if you finance, but not collision. Mine covers me for road use, as well as snow removal on other's property. Around $250 a year, I think.

    Sean

  8. #8
    Platinum Member rjkobbeman's Avatar
    Join Date
    Apr 2010
    Posts
    964
    Location
    USA
    Tractor
    Kubota M8540HD-12 2010

    Default Re: Tractor Insurance

    I bet most people who say their tractor is insured by their homeowner's policy are not covered as well as they think. When push comes to shove, I'm willing to bet the insurance company will not cover the tractor like the owner thinks.

    I could be wrong -- and don't want to be confrontational -- I just did a lot of research before I went with kubota insurance. For the coverage and price, it was a no-brainer for me.
    M8540HD12-1, R4s, Weights, 2 Remotes, Rear Lights, Down Exhaust
    LA1353 FEL, QA 72" Bucket, Self Leveling Valve, 3rd Function Remote
    CCM Category II Hydraulic Toplink
    QA 48" Pallet Forks
    M8180 Ballast Box with concrete
    LP QH-20 Quick Hitch
    LP RCR2672 6' Rotary Cutter
    LP GS2596 8' Grading Scraper
    BAC BG-10 Post/Tree Puller

    BX2370RV60-1, R4s, 60" Mower, Loader Valve
    LP QH05 Quick Hitch
    Rear Remotes
    40 gallon 3ph sprayer
    Subsoiler with wire spool provision


  9. #9
    Super Member bp fick's Avatar
    Join Date
    Aug 2009
    Posts
    5,597
    Location
    Beaver Creek, Northern Michigan
    Tractor
    Kubota BX2360

    Default Re: Tractor Insurance

    Typical homeowners merely covered the tractor as it would any other object of value, such as tools, clothes or appliances. That really isn't good enough for lien holder, usually, and doesn't cover replacement, merely a pro-rated cash settlement, minus a deductible. Doesn't cover it at all if left the property, not even down to the next couple of neighbor's yards, fields or driveways. Doesn't cover it on the road.

    That might be acceptable to a guy with a lower valued machine who never takes it any off his property. The loss wouldn't be the end of the world and would suit those who don't wish to be insurance premium poor.

    The woman who has some jewelry isn't too concerned either, but if she has a $50K diamond, she will want/need something more.

    Inland Marine policies, purchased separately, above and beyond generic homeowners, will do what is needed for tractors, boats, jewels, valuable antiques and other such things for those who want/need broader coverage.
    BP


    "Some chickens, some gardens and a Kubota."

  10. #10
    Member
    Join Date
    Nov 2008
    Posts
    42
    Location
    kawkawlin, mi
    Tractor
    jd 3520

    Default Re: Tractor Insurance

    HI,
    I have just completed the quest. It is not as easy as one would think to get tractor insurance. My old insurance company would not cover it at all. I started the search for a new insurance (home owners) company that would actually cover the tractor. I found a huge range of options from different companies. You will have to shop around and may have to change insurance companies to get the coverage you want. My tractor is now insured with liability no matter where it is--trailer, neighbors, what ever. It took a while to find the right insurance company. Good luck. FYI i am in michigan and "Farmers" insurance is where i ended up.

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