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  1. #1
    New Member
    Join Date
    May 2004
    Posts
    7
    Location
    Lakes region NH
    Tractor
    2003 massey GC2300

    Default Tractor Insurance

    My Ins. Co. says my tractor is covered by homeowners as long as it does not leave my property or get a plate on it. I asked if I could get ins on the tractor and they said no (state farm) I do leave the property on occasion and I do back in the road during plowing. Does anyone know if any companies offer tractor insurance (non-business)?

  2. #2
    Elite Member Bob77064's Avatar
    Join Date
    Sep 2011
    Posts
    3,972
    Location
    KY @ TN line
    Tractor
    2011 LS R3039

    Default Re: Tractor Insurance

    You might check with a Farm Bureau company.

  3. #3
    Veteran Member buck12's Avatar
    Join Date
    May 2006
    Posts
    1,216
    Location
    NW Mississippi
    Tractor
    Mahindra 2615

    Default

    State Farm insures my tractor as a rider on my home owners policy. My agent told me my tractor was covered under the home owners policy on property but it spends a fair amount of time at the remote property that I wanted additional coverage. The rider policy is not much each year.

  4. #4
    Veteran Member MHarryE's Avatar
    Join Date
    Feb 2009
    Posts
    1,486
    Location
    Northeastern Minnesota
    Tractor
    JD 7720; Kubota M135GX, NH TS115A; JD 6230; Kubota L5740

    Default

    I have a State Farm farm policy that covers me up to 200 miles from home, but you are right on the rest. When I had it as a rider on homeowners it covered me only inside my property lines so on the road from one field to another, I wasn't covered but once I got to that field, I was covered again. The strange thing is that after we figured out my place as a farm, it came to a little less than my homeowners plus riders for my tractor and excavator, and I don't even know if my disks, plows, cutters, spreaders, etc. were covered.
    JD7720; KubotaM135GX; NH TS115A; JD6230; KubotaL5740

  5. #5
    Veteran Member buck12's Avatar
    Join Date
    May 2006
    Posts
    1,216
    Location
    NW Mississippi
    Tractor
    Mahindra 2615

    Default

    Quote Originally Posted by MHarryE
    I have a State Farm farm policy that covers me up to 200 miles from home, but you are right on the rest. When I had it as a rider on homeowners it covered me only inside my property lines so on the road from one field to another, I wasn't covered but once I got to that field, I was covered again. The strange thing is that after we figured out my place as a farm, it came to a little less than my homeowners plus riders for my tractor and excavator, and I don't even know if my disks, plows, cutters, spreaders, etc. were covered.
    My agent told me the rider covered my tractor while being trailered. Maybe I should check this out.

  6. #6
    Veteran Member troutsqueezer's Avatar
    Join Date
    Sep 2010
    Posts
    1,148
    Location
    Pilot Hill, CA.
    Tractor
    Kubota B21

    Default Re: Tractor Insurance

    kubota offers comprehensive coverage at a reasonable cost. You might check into it.
    - Dennis

    Once you see the bandwagon, it's too late.
    Kubota B21
    Polaris Ranger
    Yamaha Kodiak

  7. #7
    Silver Member Shutesbury's Avatar
    Join Date
    Sep 2010
    Posts
    114
    Location
    Western Massachusetts
    Tractor
    Kubota BX-24 - other goodies listed in my profile.

    Default Re: Tractor Insurance

    Here in MA my vehicle insurance covers it in transit on my trailer; my homeowners covers it, and damage I might do, on my property.

    Working on property of another, their homeowners would cover it, and damages, but their company would likely come after MY homeowners for reimbursement.

    I looked into policies that would cover me working jobs for friends, neighbors or 'customers', and it was close to $1,000 a year. I'm not planning to operate as a 'business', so I just run with existing coverage, and put my 'odd jobs' money into a maintenance fund.
    2008 BX-24 with MMM, brush hog, york rake, rear blade; handcrafted 5-tine forks; clamp-on pallet forks; bolt-on/off ripper tooth for BH bucket; Bro-Tek real wheel spacers and BH thumb; Piranha toothbar; Ratchet Rake; 3pt snowblower; extra LED lighting.

  8. #8
    Veteran Member grnspot110's Avatar
    Join Date
    May 2007
    Posts
    1,384
    Location
    MO
    Tractor
    John Deere 790, 420, 314, "L/60" Custom & 70 I

    Default Re: Tractor Insurance

    I have my JD 790 covered with State Farm, separate policy. I trailer it 30 miles to the farm regularly. ~~ grnspot

  9. #9
    Veteran Member Depmandog's Avatar
    Join Date
    Nov 2010
    Posts
    2,223
    Location
    Buckner MO
    Tractor
    2005 Kubota L5030 GST; Farmall 706

    Default

    I too am going thru this with State Farm. Under the homeowners policy it is only covered on my property - but not for everything, only certain perils are covered. They way the agent talked, if I damaged another vehicle (he was thinking collision - I was envisioning kicking a rock from the rotary cutter), the damage wouldn't be covered.

    They will write an "all perils" policy that will cover pretty much everything for $260 a year. This would provide coverage off the property - damage to other vehicles, etc.

    Since I will probably road the tractor between my properties at some point...I feel I need the added coverage.

    I will be checking out the kubota insurance for a quote.
    Dean


  10. #10
    Bronze Member zr2blz's Avatar
    Join Date
    Nov 2008
    Posts
    65
    Location
    Berthoud, CO
    Tractor
    John Deere 3320

    Default Re: Tractor Insurance

    I also have a rider with State Farm, its $26 a month. I take mine to sons place 3-5 times a year and do our roads in our subdivision (2 miles worth).
    2007 3320 os / 447 BH / 300CX - 5' bucket / 7' rear blade / 4x2" skidsteer spacers on rears
    2014 825iS4 full wrap around, winch, hardtop, pwr tilt box, 3 sets of top lights, blinkers
    2006 Honda es Foreman 500 with 5' blade

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