uppermich
Bronze Member
The new toy arrives tomorrow. I called my insurance agent and they informed me that it would be covered as personal property on my homeowner's insurance. The homeowner's policy covers fire, theft, hail, wind, trees falling on it, etc.
But, it is not covered if it leaves the property or if I damage the tractor while using it. I'd have to purchase another policy to cover leaving the farm and/or damage to the tractor or someone else's property while operating. Tends to get rather expensive.........
What's the verdict here? Do you feel the extra policy is a good investment or not? I am a very safety minded individual and the lack of a policy would keep my friends and neighbors off my back, but is it a good idea to have just in case?
Pat (Techno-Tractor Mom)
But, it is not covered if it leaves the property or if I damage the tractor while using it. I'd have to purchase another policy to cover leaving the farm and/or damage to the tractor or someone else's property while operating. Tends to get rather expensive.........
What's the verdict here? Do you feel the extra policy is a good investment or not? I am a very safety minded individual and the lack of a policy would keep my friends and neighbors off my back, but is it a good idea to have just in case?
Pat (Techno-Tractor Mom)