Super Star Member
- Jan 6, 2015
- "Let's go Brandon"
- Kubota L48 TLB, Ford 1920 FEL, 8N Ford, Gravely 12 HP "Professional", 48" SCAG Liberty
A very good idea!in our area the best bets are Farm Bureau and Country (used to be cotton states)
i see some posts that say umbrella for xx
in our area the word umbrella relates to liability insurance...
" a man may have insurance on a lot of equipment and in that case, he may have a "blanket" and adding equipment would be easy...
i see posts about it's included on my home policy...
bottom line of my concern is this.... with the various words and definitions of these words may i suggest that folks, Write their agent after getting coverage and say something like this...
"agent smith, you were so helpful to me today... insuring my kubota 5200 for fire/theft/collision for up to acv or 25000 for only 250 with a 1000 deductible. you informed me that my pre existing liability coverage would cover any accident where the tractor was involved.. i forgot to tell you that i have about 5,000 in implements also... are they included ?? in my policy..? thanks again for your help."
the purpose of a writing is to confirm what you have bought... did you get collision and fire and do you have liability coverage to pay for an accident where your grandchild runs over a neighbor kid and squashes him? after telling the agent what you think you bought... you should ask a question that leads the agent to write you back... this will be your confirmation that what you put down is correct! put his answer in your insurance file.
i'm an ex insurance person... so often what the person thought he bought was not what he bought. and now that his $20,000 tractor is in the pond or that his neighbor got drunk and killed someone on the roadway, while he was cutting grass for the owner, the tractor owner often finds out, that he has no coverage. or only coverage for one part of the damage.... maybe the insurance will pay for the liability claim (the folks in the car that the tractor hit) but not coveage for the wrecked and totalled tractor...