Tractor insurance.

[fried1765]

I thought this too, but upon calling USAA and specifically asking if they covered the tractor while I use it (running engine) they said homeowners only covers it during “storage” not during use. It is covered under USAA homeowners for things like barn fire, flood, or a tree falling on it. I needed full replacement value for my new John Deere so this wouldn’t work.

I think you are correct on this,..... and Slowpoke Slim got some bad information from a USAA representative.
I have been a USAA member for 59 years, and depending on who you speak to, have received bad information multiple times.
I usually call three or more times, requesting the same information, to try to get a semblance of what might be correct.
Finding out after a loss, that you are not actually covered for that specific loss, due to incorrect agent information, is a very bad thing!

 

[JethroB]

Yesterday, I worked out a deal on a new Branson 4820R with loader, backhoe and attachments. Their financing company requires insurance. It will be on land we own but in a different state where we are moving to next year. My current home owners policy will not cover a tractor stored/used out of state. I'm not sure what I need. I talked to a company in the county where our land is, but they don't know if they can cover a tractor if I don't have home owners insurance with them. Not sure what to do now. Thoughts?

I suggest calling an independent agent that has access to multiple insurance companies and can shop around for your specific needs.

 

[fried1765]

I suggest calling an independent agent that has access to multiple insurance companies and can shop around for your specific needs.

Call any agent and ask about an,....Inland Marine Policy !
Inland Marine writes policies specifically for equipment, and the equipment can be moved, used, or stored, anywhere!