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 02-22-2006, 11:03 Post: 124960
kthompson



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This keeps been hit in different threads.

How about suggestions on how to be safe in buying equipment to be sure it is not stolen.

How to protect your equipment from being stolen.

kt






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 02-22-2006, 11:33 Post: 124964
Murf

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We use a combination of things, mostly shipping containers.

They are cheap, easy to move and secure as anything you'll find.

We often use them both to ship the machine and store it.

We also use a LoJack type system, it is very good at recovering, err, well, "misplaced" equipement.

Best of luck.






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 02-22-2006, 11:41 Post: 124966
DenisS



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Are tractors normally covered against theft under the homeowner's insurance policy?






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 02-22-2006, 13:52 Post: 124970
kthompson



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Horesfarmer,

Homeowners insurance seems to come down to you ask your company. I know of none in my state that does but someone in Michagian said his did. Even if it does you may have to notify your insurance company with serial number and you may have to pay for extra coverage. I have a stand alone policy on mine that is right cheap for the coverage.

kt






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 02-22-2006, 14:22 Post: 124972
DenisS



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kt,

would you mind me asking how much your coverage is? Although I think it'll be far less for you in SC than what I'd pay in NJ.

The tractor I'll get will be the priciest vehicle in my garage (how sad is that?) and I better get it covered.

thanks.






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 02-22-2006, 14:38 Post: 124973
kthompson



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horsefarmer,
I think it cost me little less than $100 per year per tractor. That covers more than just theft. That is with Farm Bureau. The other company it was with was about $400 for my first tractor. Do price shop it.

There is a value chart they use and sadly I am not sure how much the coverage is now.

Hope this helps.

kt






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 02-22-2006, 14:43 Post: 124974
DenisS



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thanks a lot kt,

I'll definitely look around. My insurance company has been really good to me, which is unusual for NJ; so I hope they can have something worked out.






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 02-22-2006, 17:27 Post: 124980
Peters

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 Stolen Equipment

I have mine locked in the barn and my insurance agency covers them as I have Alpha Farmers now.
I was wondering if anyone has considered a fuel shut off valve? My old Massey has a fuel control valve to shut the tractor down. The average thief these days would not think beyond the key. If you had a secret hidden switch for the fuel solenoid it might secure the tractor a little more.






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 02-22-2006, 19:23 Post: 124984
brokenarrow



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 Stolen Equipment

Peters
I disagree just abit. The average theif can come in two forms. The kid down the road that wants to joy ride and leave it anywhere he runs out of gas or time, and the guy from out of town that calls his "stealing" his buisness. This is the guy who will pull in off the beaten path with a panel truck disguised as a delivery truck. He will not need a key to take your CUT. He has a winch in the truck that will haul her up the ramp dragging the wheels if he has to. They can be in and out in less than 15 min. This is the guy who will take your tractor out of state and sell her. In my state , WI. I do not hear too much about tractor theft needless to say though, it is hear. I have a insurance thru the loan deal I got on my tractor. It will replace it period up to the amount that I paid for it and will not depreciate it. If anything happens my fault or not, the tractor will be fixed or replaced. Replaced with a tractor that costs as much as I paid for it originally. This costs me 10 bucks a month and it is good for the 60 months I agreed to on the loan. The catch here? If I pay it off early, the insurance was ALREADY paid for in the loan. That means I lose money on the insurance. I dont plan to pay off early (i like the intrest and the time frame) so I am cool with that.
My insurance comp. charges an arm and a leg for ins. on a tractor (home owners ins.) Seems they dont like to have that on the policy.
This is just my opinion though of the theives in my area. I could be way off base in other parts of the country. The Wisconsin folks are pretty laid back where I keep my tractor. Infact, I do not even have a dead bolt on the door. My garage is so far back in the woods that a dead bolt would only cause more frame damage to the garage than anything else if someone wanted in that is why I just lock her up with a normal door lock. Keeps an honest person honest. A theif (where my rig and equipment is) who wanted to get in and steal, would have all the time in the world and all the privacy he wanted. My way of keeping my equipment "safe" is thru insurance. Its sad but it is true.






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 02-23-2006, 06:31 Post: 124995
DenisS



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brokenarrow

I gotta check out if Kubota offers insurance deals with their loans like you got with your NH.

Peters,

Thanks for the fuel shut off valve suggestion.

There is a huge auto auction in my township just down the road - I imagine that lots of shady characters visit the place trying to make a quick buck (along with honest car dealers, too, I'm sure), so I wouldn't be surprised if people would scout the area for easy pickings and since neither of us are home during work, my tractor could end up on a flat bed going to some unsuspecting farmer in PA or VA, so replacement insurance would be nice. But maybe I'm just being paranoid.






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Discussion Boards > Active Subjects > Messages as Posted > Survey Forum

Thread 124960 Filter by Poster:
Art White 1 | brokenarrow 1 | DenisS 6 | Jack 1 | kthompson 5 | Murf 3 | oneace 1 | Peters 1 | SG8NUC 2 | shortmagnum 1 |




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