My financing was through NH credit. My dealer told me that NH required the physical damage insurance; he specifically stated that my homeowner's policy would not be adequate.
Greg, if you're reading this (I recommended you start reading this forum), I'm finally pi$$ed. I paid your price for the tractor; I paid your stupid administrative fee, but I didn't have to pay your stupid insurance fee. You owe me, and you should come up with some creative ways to handle it, or I'll start recommending some other brand (since there is no reasonable alternative to you as a NH dealer). I had four people stop by my property just last weekend to ask about my tractor...call me.