Go BottomHow do you lose a tractor
 | Norm
Join Date: Posts: 1 
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1999-10-05 8543
Well, there are several ways. Theft, fire, not to mention the issue of liability. I am curious as to how folks out there deal with the issue of insurance for their tractors - or am I just paranoid, living in the heart of the lawsuit capital of the world? Thanks!
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| bo
Join Date: Posts: 1
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1999-10-05 8544
My 870 is covered for replacement cost in case of fire or theft under my home owners policy and I assume{gotta check} for liability in case someone gets hurt. ....
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| Randy
Join Date: Feb 2002 Posts: 76 myLocation
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1999-10-05 8545
I thought my homeowners would cover my tractor but it didn't. The insurance company required a new policy just for the tractor. It costs me $50/year. ....
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| Jeff Kraft
Join Date: Posts: 1
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1999-10-05 8547
What you are looking for is called a Inland Marine policy for you tractor, most homeowners insurance policies cover the tractor, but only when it is on YOUR property. ....
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| Alan L.
Join Date: Posts: 1
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1999-10-05 8563
I financed my Kubota for 60 months. There was a one time charge of about $300 or so that covers the tractor for the whole 60 months regardless of what happens to it, including losing it off the trailer. That was on a 2710. ....
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| Roger L.
Join Date: Jun 1999 Posts: 0
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1999-10-05 8568
Neither my home policy or my barn and out building policys would cover my tractor - or any wheeled vehicle for that matter. I checked by asking if the tractor would be covered if my barn (insured for fire) burned down. The answer was no and it would take another several hundred a year to cover it for fire. No coverage for theft was available at all. The "personal possessions" covered if the building is a total loss specifically does not cover "wheeled vehicles". I checked with Allstate and State Farm because I have other policies with both of them. As far a liability, I don't know. Roger ....
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| JonB
Join Date: Posts: 1
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1999-10-06 8569
I've started a small farm on my property. My home insurance carrier said the tractor was not covered--and they wouldn't add a rider for it. I finally found a company that specializes in small farm/home insurance. For $100 extra annually it covers theft, fire, liability, and injury for crops I sell. It doesn't cover employees, etc (but I have none). ....
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| Keith
Join Date: Posts: 1
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1999-10-06 8574
Losing a tractor reminds me of a post on a BB on the Yesterday's Tractors website. It was pretty good. A guy located an old, dilapidated tractor out in a field somwhere and inquired at the owners home if it might be for sale. He learned there was also another old tractor on the property. The guy showed him where the second tractor was at. All you could see was the top of the exhaust pipe!! He got it stuck in a pretty soft spot and it sunk rather deep, so the farmer just sort of left it there. I think the sunken tractor had a few mechanical problems anyway and so he figured it wasn't worth the trouble to try and retrieve it. Well this buyer worked out a deal and got both of them. I think he used a backhoe to get the stuck one out. He wound up tearing it down and actually rebuilding it, and even got it running! That was another way to "lose" a tractor!! ....
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| Rod
Join Date: Posts: 1
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1999-10-06 8583
My homeowners insurance is through State Farm. They added a rider to my policy to cover the replacement cost of the tractor. This was required by the finance company (new holland credit). ....
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| Mason
Join Date: Posts: 1
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1999-10-07 8613
I have Farmer's insurance. They cover the full cost of the tractor on the homeowners policy. ....
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