I get amazed on this topic every time it comes up here. Please realize insurance like this is regulated at the state level and not Federal. So what a company does in one state may be very different than another state. That being said I expect a dedicated company such as the one JD uses and Kubota to be very similar if not the same in every state. But with the other companies you can find some important differences from state to state even to the point they may sell in one state and not that product in another.
Ask advice all you want but do the verifying for your self in your state with the companies you are considering. The brochure whether on line or printed giveth and the contract taketh. YOU READ the contract. Ask the agent to show YOU in the contract where it covers what they told you. If they can not then it probably does not. Too often I have had people (yes I am an insurance agent) tell me they were told by their agent or company such was covered and me knowing the whole time the next words would be, but when I had a claim it was not. You have to read and understand the whole policy. The area of such as scheduled item may read how it covers but in the main contract there is a clause that reads something like but not for hire or any business venture which means the accident that happened while you were doing a favor for a neighbor might be looked at as a business venture.
