I have a Kubota BX - but I paid cash so I dont know MUCH about the insurance, but from what I have heard it covers ALOT of stufff. IE accidental damage while using the tractor.
MF has 870lbs lift capacity, Kubota 739. Thats close....but the MF is definitely more. To be honest....I looked over the MF tractors and REALLY liked them. I saw a few advantages RIGHT away over the BX.
Dual curl cylinders was an obvious one.....and it seemed like I didnt have to run the tractor as high on the RPMs to operate the loader well. That being said....meh, a few less rpms isnt a big deal, its a tractor and thats how its made to operate.
Which dealer seemed to be most likely to offer better service after the sell? - THAT would be important unless your going to do all your own service (I have lots of equipment and my stuff rarely sees the dealer).
I HAVE a BX....and wouldnt hesitate to buy another. Kubota makes really solid machines.
......but I also wouldnt hesitate to buy the MF either. A bit more loader capacity, smidge better hydraulics........and I honestly like the looks of those tractors.
You cant go wrong with either - just buy which ever one makes you tingle that little bit more.