Tractor Insurance with Backhoe: John Deere Review  -- John Deere Tractors Discussion Forum and Review Tractor Insurance with Backhoe: John Deere Review -- John Deere Tractors Discussion Forum

  parts   |   manuals   |   discussion   |   photos   |   podcast   |   reviews   |   specs   |   dealers   |   classifieds   |   contact   |   faq   |   myProfile   |   home          Login Now | Sign Up


FAQ:   What is a tractor?

Forum Index

Kubota Tractors
  Kubota News
  Kubota Price
  Kubota Review
John Deere Tractors
  John Deere News
  John Deere Price
  John Deere Review
New Holland Tractors
  New Holland Tractor Price
  New Holland Tractor Revie
Other Tractor Brands
  Articulated Tractors
  Belarus
  Bobcat Tractors
  Case
  Cub Cadet
  Hinomoto
  Kioti Tractor
  Long
  Massey Ferguson
  Mitsubishi
  Other Tractor Brands
  Other Tractor News
  Shibaura
  Yanmar Tractors
Lawn and Garden Tractors
  Craftsman
  Cub Cadet Garden
  John Deere Garden
  Kubota Lawn Garden
  Other Garden Tractors
  Simplicity
  Toro Wheelhorse
  Ventrac Lawn Tractors
Antique Tractors
  Allis Chalmers
  Case David Brown
  Farmall IHC
  Ford
  Ford 9N 2N 8N
  Fordson
  Harry Ferguson
  John Deere Older
  Massey-Harris Ferguson
  Minneapolis Moline
  Oliver Cletrac Cockshutt
  Restoration
  Tractor Pulling
Tractor Attachments Implements 3ph
  Back Hoe
  Field Mowers Brush Cutter
  Grooming Mowers Finish Mo
  Loaders
  Snowblowers / Snow Plows
  Tillers and Ploughs
  Tractor Implements
  Trenchers
  Wood Chippers 3PH
Tractor Maintenance
  Diesel Fuel Lubrication E
  Tractor Engine Repair Reb
  Tractor Tires
Utility ATV
  All Terrain Vehicles
  John Deere Gator
  Mule Utility Vehicles
General Tractor
  Farming Ranching Agricult
  Photo Contest
  Size Tractor Needed
  Tractor Projects
  Tractor Safety
  Welding
Chinese Tractors
  Jinma Farmpro Agracat
  NorTrac Tractors
  Other Chinese Tractors
Cars
  All Brands
  Audi VW
  BMW
  Car Tires and Maintenance
  Chrysler
  Exotic, Sports, Racing
  Ford Cars
  General Motors
  Honda
  Hyundai
  Mercedes
  News
  Nissan
  Subaru
  SUV and Trucks
  Toyota Cars
Trucks Trailers
  Chevy Pickup Trucks
  Dodge Pickup Trucks
  Ford Pickup Trucks
  Toyota Pickup Trucks
  Chevy Pickup Trucks
  Dodge Pickup Trucks
  Ford Pickup Trucks
  Toyota Pickup Trucks
Home Building
  Alternate Electric Energy
  Barns Pole Barns
  Buying Ranch Farm Acreage
  Carpentry
  Contractors
  Electric
  Excavation
  Moldings Finish Trim
  Other Home Building
  Pellet Stoves
  Plumbing
  Wood Stoves
Tools
  Electirc Power Tools
  Gas Power Tools
  Generators
  Shop Tools
  Techniques Howto
Landscape
  Flowers Shrubs Garden
  Golf Course Maintenance
  Irrigation Systems
  Landscape Design
  Landscape Lighting
  Landscape Maintenance
  Lawn, Turf, and Grass
  Vegetable Gardening
Construction
  Caterpillar
  Komatsu
  Wheel Loaders
Current Events Health Happiness
  Current Events
  Dogs and other Pets
  Electronics And Computers
  Food
  Health
  Just For Fun Off Topic
  Movies Music Games
  Personal Finance Investme
  Sports Outdoors
Tractorpoint Site
  Member Photos
  Site Members
  Website Operations Howto


New As Posted | Active Subjects



Click to Post a New Message!

Discussion Boards > Active Subjects > Messages as Posted > John Deere Review Forum

Page [ 1 ] |
Reply | Pop Up Window Reply | Add PhotoAdd Photo
 02-12-2000, 00:00 Post: 12740
Bob Greene



Join Date:
Location:
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 1
 Tractor Insurance with Backhoe

BobG - Purchased a new JD4300 with loader. Wanted to get a backhoe, but my insurance comany ( American Family) says they will not insure the tractor for liability if a backhoe is attached under a personal, non- business policy. Risk for cutting phone/internet cables, rupturing gas lines, etc. Anyone else running into this. If one company bails out on a certain coverage, others will follow. Anyone running into this issue with a backhoe? Thanks






Reply to PostReply | Quote Post Reply to PostQuote Reply | Add PhotoAdd Photo




Bookmarks: Digg It | Del.icio.us |
 02-13-2000, 00:00 Post: 12764
TomG

TP Contributor

Join Date: Feb 2002
Location: Upper Ottawa Valley
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 5406

2
Filter by User
 Tractor Insurance with Backhoe

Nope. I'm covered for liability and loss under my home owner's policy. The insurance company knows I've got a back hoe. It is a Canadian insurance company, however.






Reply to PostReply | Quote Post Reply to PostQuote Reply | Add PhotoAdd Photo




Bookmarks: Digg It | Del.icio.us |
 02-14-2000, 00:00 Post: 12785
Norman Keller



Join Date:
Location:
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 1
 Tractor Insurance with Backhoe

I got a real run-around trying to insure my JD 755. Some would, some wouldn't, others outright didn't know. While different companies have different approaches, all policies of a given type (at least in NY, but I assume this is a state governed issue and others are similar) are the same regardless of the carrier. What it appears to boil down to is interpretation of certain key phrases in the policy such as "used to maintain the insured's property" and whether or not the machine is "governed by motor vehicle regulations". The statements are open to rather wide interpretation - for example, does "governed by MV regs." mean that you have plates on it or does it mean that you CAN put plates on it. You can't get that question answered, nor can you get any question answered that is going to limit their ability to interpret the policy at the time of a claim. The best advice that I got, which seems to be the most reasonable, was to interpret the policy as fairly as possible - which, in my case, suggested that I am covered - and worry about it at the time of a claim. This is not comforting at all, but the alternative is contractors' insurance and with a backhoe you are going to pay dearly.






Reply to PostReply | Quote Post Reply to PostQuote Reply | Add PhotoAdd Photo




Bookmarks: Digg It | Del.icio.us |
 02-16-2000, 00:00 Post: 12888
Darin Mitchell



Join Date:
Location:
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 1
 Tractor Insurance with Backhoe

Well people I am really new to all this insurance for tractors and just about everything else. We just purchased our first home in July of 98 and that is why I say that I am really new to this. We have about 15 acres of woods and planned on grading alot of things and that is why I started looking for a piece of equipment, which was confusing enough. But anyway I would really like to know how many people have insured their tractors and if I should or not. I recently purchased a crawler, loader, backhoe and never even thought about insuring this under my home owner policy. And if you people don't mind giving me examples of costs that would be great for me to weigh the pro's and con's of insurance policies on tractors. I am in New York for all those who are going to reply with costs and policies. Thanks in advance

Darin






Reply to PostReply | Quote Post Reply to PostQuote Reply | Add PhotoAdd Photo




Bookmarks: Digg It | Del.icio.us |
 02-17-2000, 00:00 Post: 12891
TomG

TP Contributor

Join Date: Feb 2002
Location: Upper Ottawa Valley
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 5406

2
Filter by User
 Tractor Insurance with Backhoe

I have to give you my Ontario example. It's probably similar to New York practices. I pay $190Can/year on declared value of $25,000 tractor plus implements. The coverage provides for loss and liability, but I imagine the company would play the 'blue book' game, and the coverage actually is for a fraction of the true market value.

I think the coverage extends to theft, valdalism, some storm loss and personal injury liability. I'd be surprised if the coverage extended to damage to buildings, utility lines, septic systems etc. resulting from negligent operation. I am able to use the tractor for non-commercial purposes on other properties and to transport the tractor between our properties.

Think I got what I wanted. Just wanted some protection against loss and to manage if somebody gets hurt. Didn't want to pay huge premiums for greater coverage.






Reply to PostReply | Quote Post Reply to PostQuote Reply | Add PhotoAdd Photo




Bookmarks: Digg It | Del.icio.us |
Reply | Pop Up Window Reply | Add PhotoAdd Photo


Page [ 1 ] |

Discussion Boards > Active Subjects > Messages as Posted > John Deere Review Forum

Thread 12740 Filter by Poster:
Bob Greene 1 | Darin Mitchell 1 | Norman Keller 1 | TomG 2 |

 (advanced search)

Picture of the Day
dtacmed

Hinomoto - C174 Hydraulic Pump Needed
C174 Hydraulic Pump Needed


Unanswered Questions

Belarus 825 - needs a new clut
Drain Cock
Need more hydraulic flow for s
HINOMOTO HB 501
Belarus 420A - Problems bleed

Active Subjects

460 Long hyd leak
460 axle
Key will not start engine
6x4 engine rebuild vsHarbor Fr
Things we say and what do they
The Plus and Minus of Ignoring
Looking to buy a New Pickup Tr
Need more hydraulic flow for s


Hot Topics

Tractor Category 1 2 3 Hitch s
Duerr hp 678 Chipper replaceme
Gator 620i gas in engine oil
KUBOTA Tractor Trouble Free Qu
Gator 6x4 Overheating problem
Duerr hp 678 Chipper Manual
Adjusting 7308 Pressure Relief
Long 460 hydraulic problem


Featured Suppliers

Mountain Creek Labradoodles
      MountainCreekLabradoodles.com





New Forums on Gun Sport Shooting and Hunting -- BarrelPoint.com  New Forums on Horses ManePoint.com
Talk Horses at ManePoint
Hunting + Gun Sports at BarrelPoint



Most Viewed

+ John Deere 2210 Backhoe Review
+ John Deere vs Kubota Compact Tractors
+ John Deere 790 fuel shut-off solenoid failing
+ John Deere low viscosity HY GARD
+ John Deere JD 4100 Wiring diagram
+ JD 790 or Kubota L3000DT
+ Should I buy a John Deere 4105
+ John Deere 4300 turns over but won t start
+ John Deere 455 garden tractor
+ Oil Change for Diesel Tractor

Most Discussion

+ John Deere 4300 scuffing
+ Possible Solution To The 4000
+ Dealer out to lunch
+ Just got my new JD 4410 - Prob
+ Hello Green Goodbye Orange
+ Receiver hitch for iMatch
+ 4300 wheel bolt problems
+ 4000 Ten Series 50 hour break
+ Don t buy JD compact tractors
+ Oil Change for Diesel Tractor

Newest Topics

+ Oil overflow from tube and Smoke
+ John Deere 4100 gear 3 point not workin
+ 2000 John Deer Gator 4 X2
+ Mini Excavator SY20C - Small Body with Big Power
+ John Deer 1070 starting problem
+ John Deere 990
+ Tractors R Us
+ john deere 4100 with 410 loader hydraulic problem
+ John Deere 2032R Buying advice
+ John Deere 2010 loss of hydraulics
















Turbochargers for Tractors and Industrial Machines
Cab Glass for Tractors and Industrial Machines

Alternators for Tractors and Industrial Machines
Radiators for Tractors and Industrial Machines

Driveline Components for Tractors and Industrial Machines
Starter Motors for Tractors and Industrial Machines