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  1. #1
    Silver Member
    Join Date
    Sep 2012
    Posts
    218
    Location
    hawesville
    Tractor
    600 ford

    Default insurance?

    have been thinking about a new tractor and i got too thinkng (witch is never a good thing lol) is there a way to insure a tractor?

  2. #2
    Veteran Member
    Join Date
    Nov 2008
    Posts
    1,080
    Location
    Covington, GA
    Tractor
    JD 870

    Default Re: insurance?

    Home owners policy can have a rider.

  3. #3
    Silver Member
    Join Date
    Jul 2013
    Posts
    166
    Location
    NC
    Tractor
    DK40SE HST

    Default Re: insurance?

    We had State Farm, for home and auto, and they wouldn't cover the tractor. So we switched our home and auto to Farm Bureau. They offered us a seperate inland marine policy to cover the tractor wherever I went with it. The issue with a homeowner's rider is that it will only cover the tractor on the property covered by the policy. If you take it out on the road to access another part of your property or help a neighbor, and something happens to it, you're on your own.

  4. #4
    Veteran Member JerryK's Avatar
    Join Date
    Feb 2004
    Posts
    2,043
    Location
    Vanderbilt, Michigan, USeh?
    Tractor
    Mahindra 5035 HST TLB, 2555 HST Cab, JD 420 HST

    Default Re: insurance?

    It depends on what you mean by insurance. There are lots of types. If the tractor is bought on time, your loan usually requires you to have ' insurance ' to protect the asset for the person loaning you the money. If you are talking about damage you may do WITH the tractor, your home owners policy USUALLY covers this on your own property. If you are talking about driving over to your neighbors to help him do something, you almost always have to get extra coverage to protect you if you are sued, and just driving it off your property is usually not covered by the first two types [ which is also true about your lawn tractor/ ATV / snowmobile/etc ]... It's fun, isn't it....???
    78" Mahindra front blower, 48" CID QA forks, 6' EverythingAttachments Land Plane, 78" JRW rear blower, homemade 1 ton rear weight, 6' Ford rear blade, big homemade 3pt box/carrier, 8" wood chipper

  5. #5
    Super Member Tx Jim's Avatar
    Join Date
    Jan 2007
    Posts
    6,366
    Location
    Coyote Flats,Tx
    Tractor
    JD 4255/Kubota M7040 HDC

    Default Re: insurance?

    Quote Originally Posted by gunmonkeyintl View Post
    We had State Farm, for home and auto, and they wouldn't cover the tractor.
    My daughter & I co-own a kubota M7040 and she has it insured with State Farm. I have my shack(metal building I sleep in) and remainder of farm equipment insured for comprehensive with Germania.

  6. #6
    Epic Contributor murphy1244's Avatar
    Join Date
    Nov 2011
    Posts
    20,115
    Location
    Ohio
    Tractor
    Kioti DK-40, MF-135, Ventrac 4500Y

    Default Re: insurance?

    Quote Originally Posted by Tx Jim View Post
    My daughter & I co-own a kubota M7040 and she has it insured with State Farm. I have my shack(metal building I sleep in) and remainder of farm equipment insured for comprehensive with Germania.
    Same here, have had SF for years.
    Murph

  7. #7
    Platinum Member Egbert's Avatar
    Join Date
    Aug 2013
    Posts
    941
    Location
    Alaska
    Tractor
    JD LX188

    Default Re: insurance?

    My farm liability, structures, implements, dump trailer, UTV and tractor are all insured with State Farm.

    This is not a recommendation but it was like hunting hen's teeth to find a company that would insure this stuff - especially without my living on the farm. FYI, the tractor is covered anywhere within 200 miles of the farm.

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