I can tell you most homeowner policies will not cover equipment off property, while it is being transported, and some won't even pay for accidental damage (who intentially hits a stump???). As some posters noted, KTAC has a vested interest in Kubota customers being happy. They make money off selling tractors not insurance so this is their way of keeping you hooked on Kubota (which is fine with me). I know because they paid off my loan and gave me every penny I paid for my BX just because I bought a new one from them (I think they called it a replacement option)!