It doe's not cover natural wear,(tires, belts,oil change, paint fading, ect) but if it falls off of a trailer, limb or tree falls on it, stolen or what ever i do not have to worry about it. I did get liability from my insurance just in case I hit something and damaged what I hit. If I hit something Kubota covers my 7940 but not what I hit.
Hope this helps.
Hope this helps.