mars1952
Silver Member
- Joined
- Jan 12, 2007
- Messages
- 238
- Location
- Western North Carolina
- Tractor
- 1999 John Deere 4300 12/12 sync-reverse
Hi Everyone: Right now I have State Farm for all my insurance coverage. The problem is State Farm does not offer coverage for my tractor and equipment if it is used for farm activities. I have a small farm that I claim on my taxes therefore State Farm will not cover my farm equipment. I also have a Polaris Ranger that I use for farm work. State Farm is willing to insure it like they would a car to the tune of about $1000 a year for liability or about $2000 for full coverage.
I dug into the insurance question and have come up with an insurance company The North Carolina Farm Bureau Insurance Group. On paper they look great. They offer much higher liability coverage and they will cover my farm activities, equipment, animals, employees and the Ranger (only $90 per year for the Ranger). If I switch over to Farm Bureau insurance for everything (house, cars, farm, ranger) I could save about $200 per year plus they would cover the farm stuff and ranger where as State Farm does not cover the farm or the Ranger. However, I have read several legal articles on line that describe court cases where The Farm Bureau has weaseled out of their liability coverage.
Rivenbark vs Farm Bureau
Rivenbark v NC Farm Bureau Mut. Ins., 155 NC App 777 (01-1420) 01/21/2003 - Unpublished
Rowe vs Farm Bureau
Rowe v NC Farm Bureau Mutual Ins. Co., (02-539) 04/15/2003 - Unpublished
My questions are: Is The North Carolina Farm Bureau Insurance Group more of a weasel than any other insurance company? Has anyone here had personal experience with the Farm Bureau? Who in North Carolina has an insurance company that they would recommend for my needs?
Thanks, Marshall
I dug into the insurance question and have come up with an insurance company The North Carolina Farm Bureau Insurance Group. On paper they look great. They offer much higher liability coverage and they will cover my farm activities, equipment, animals, employees and the Ranger (only $90 per year for the Ranger). If I switch over to Farm Bureau insurance for everything (house, cars, farm, ranger) I could save about $200 per year plus they would cover the farm stuff and ranger where as State Farm does not cover the farm or the Ranger. However, I have read several legal articles on line that describe court cases where The Farm Bureau has weaseled out of their liability coverage.
Rivenbark vs Farm Bureau
Rivenbark v NC Farm Bureau Mut. Ins., 155 NC App 777 (01-1420) 01/21/2003 - Unpublished
Rowe vs Farm Bureau
Rowe v NC Farm Bureau Mutual Ins. Co., (02-539) 04/15/2003 - Unpublished
My questions are: Is The North Carolina Farm Bureau Insurance Group more of a weasel than any other insurance company? Has anyone here had personal experience with the Farm Bureau? Who in North Carolina has an insurance company that they would recommend for my needs?
Thanks, Marshall