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

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 06-17-2003, 15:30 Post: 57858
Scott Seaborne



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 tractor insurnace

I purchased a JD compact tractor (4300). What type of insurance should I carry on it and what is fair annual premium for coverage on a tractor?

Thanks,

Scott Seaborne






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 06-17-2003, 15:43 Post: 57860
Misenplace

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I recently purchased a JD 2210 and went through the same thing. I tow mine so I especially wanted insurance in case of a auto accident. If you store your tractor at your primary residence in the garage or in a out building it should be covered under your home owners policy. If you keep it else where you might be able to buy a independent policy however that would cost more than scheduleing it under your homeowners for all perils. Mine was about $50.00 per year. When you schedule property no deductible applys. This of course will vary by regions and certainly with insurance companys.






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 06-17-2003, 16:17 Post: 57861
Scott Seaborne



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Thanks DocsKnotInn!

I keep mine in a neighbor's out building on land adjacent to mine. I use the tractor to maintain 11 acres of land I own which is 15 miles from my home.

I don't trailer now but intend to in the future. I called my agent and the want $271.00 annually. This would be a seperate policy altogether.

Does this sound fair?


HERE IS YOUR QUOTE FOR THE TRACTOR:

BI/PD 150/300/100 28.80
COMP 0 DED 154.00
COLLISION 500 DED 87.00
UM 100/300 .90
UIM 100/300 .90
--------------------------------------------------------------------
ANNUALLY $271.60

OTHER DEDUCTIBLE OPTIONS:

COMPREHENSIVE
100 DED 123.00
250 DED 108.00

COLLISION
100 DED 109.00
250 DED 93.00

WE WOULD ALSO NEED TO LIST OUT ANY ATTACHMENTS FOR THE TRACTOR. PLEASE CALL US WITH ANY QUESTIONS.

THANK YOU,

AMERICAN FAMILY INSURANCE






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 06-17-2003, 16:28 Post: 57862
kwschumm



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You have to realize that even if it's covered under your homeowners insurance it is unlikely to be covered for all risks. This means that if a tree falls on it due to high winds it will likely be covered (acts of God) but if you are falling trees and a tree lands on the tractor it won't be covered. Homeowners insurance is also not like auto insurance collision coverage - if you smack it into a tree or roll it your homeowners insurance is unlikely to cover it.






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 06-17-2003, 23:06 Post: 57897
JAZAK5



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 tractor insurnace

I have my 790 covered under my homeowners for additional $90 a year which is covered under "ACTS OF GOD/NATURE" and if I tow it , my auto insurence rider covers it however if I do nay digging on someone elses property THEIR home owners has to cover it do to the noncomercial financing.I do not use this machine for profit!!!!I live in NY which has the highest insurence rates any where and people are suit happy here !!!






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 06-17-2003, 23:18 Post: 57899
Billy

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Check with your John Deere dealer. They sell a cost replacement policy that is real reasonable. Your tractor will be covered anywhere in the US and Canada. It's covered for everything but liability. The insurance on my JD 4610 and FEL is $272. for a 5 year policy. It would have been $186 per year to add to my farm policy.






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 06-18-2003, 03:02 Post: 57905
harvey



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 tractor insurnace

Mostly your insurance needs to cover your use. If it is a lawn mower and stays in your yard and never in the road homeowners is probably ok.

If it is off your primary property and travels on the road at all a seperate policy would be a good thing.

Me thinks it is best to treat tractor seperate like my other hi value items. I have seperate rider policies on several items here...

JAZAKS just a thought: I live in NY and help a neighbor now and then. If you are digging, their homeowners WILL NOT cover you. You are way out on a skinny limb. Their insurance carrier will probably sue you also if you hit a utility line or cause damage to property that requires a claim. My insurance carrier fusses real bad because I do not have contractor insurance when I help a neighbor. This is a rural farming community and that practice is still accepted in heart but not by insurance people. Digging in NY is a whole seperate insurance issue because of utility laws. Several insurance companies that will write for compact will not write if it has a backhoe on it.

Harvey






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 06-18-2003, 04:51 Post: 57906
Misenplace

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Scott, Personally I do not think that sounds like a very good deal. Based on the quote you are showing it looks like they are writeing a auto policy. Why would you neecd collision on a tractor ? Your regular homeowners policy is unlikely to cover it if you store it at a neighbors property under your REGULAR policy. Do your self a favor and ask your homeowners agent about scheduleing it under your home owners. This covers ALL PERILS and should only cost around $50.00 per year. This does include if a tree falls on it or anything you can think of at all. This is the same type of policy you would write for your wifes diamond ring. It covers it if she losses it swimming, down the garbadge disposal or throws it out the back door. You do have Jewlery coverage under your regular policy as well but usually only for theft/fire with a low limit say 3,000. When you schedule an item you schedule for the exact replacement value. There will still be some caveats so get the details before you make the decision that is best for you. A good agent is tuff to find theese days so shop a little.






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 06-18-2003, 06:30 Post: 57914
Billy

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Here's a link






Link:   JD Insurance 

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 06-18-2003, 08:35 Post: 57917
kwschumm



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Doc, this must be different from carrier to carrier. If your tractor is covered ALL RISK on your homeowners policy could you tell me who your coverage is with?

Our homeowners insurance is through Amica, and they will not provide ALL RISK coverage for a tractor on a homeowners policy, even as a rider. I called, begged, and pleaded. Most financing requires ALL RISK coverage so I'll have to obtain coverage elsewhere, probably through JD.






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

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