Tractor Insurance Help Please: Kubota Review  -- Kubota Tractors Discussion Forum and Review Tractor Insurance Help Please: Kubota Review -- Kubota 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 > Kubota Review Forum

Page [ 1 ] | 2 | 3 | | Next >>
Reply | Pop Up Window Reply | Add PhotoAdd Photo
 12-05-2003, 00:37 Post: 70317
Gro_Kiwi



Join Date: Sep 2003
Location: Clivis, CA
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 12

2
Filter by User
 Tractor Insurance Help Please

Now that I have a new B2710 ready for deliver, I called my insurance agent (Farmers Insurance). I was told Farmers insurance can not insure a B2710 tractor. As a matter of fact, the agent said Farmers Insurance can not insure any tractor no matter how small.

As I will be putting a large down and financing a small balance, I have been told that Kubota's insurance will cover only the remaing balance due on the Kubota contract, thus if stolen, I would lose my entire equity.

So my question is, please let me know what insurance company insures your tractor and how is it covered. Is it part of the homeowners policy, a seperate policy or a farm policy?

Does any of yoru policies allow you to loan it to a really good friend?






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 03:01 Post: 70319
Hog



Join Date: Nov 2003
Location: Insane Diego
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 4
 Tractor Insurance Help Please

Funny you should mention this as I was just talking to my Farmer's agent about the same thing.

She said she could write me what I guess would be a farm policy, if we are using the tractor for genuine agricultural work, but there are a bunch of questions you have to answer (regarding what you grow, etc). However, she said this type of policy would only cover liability! No comp or collision.

She looked into getting the tractor covered under our existing homeowner's policy. I think it is possible to do that, but she said it would run $250 every 6 months. She said she's never insured a tractor before and she didn't sound too sure about what she was saying, so I'm taking it all with a grain of salt.

Neither option is attractive. It seems like you should be able to insure one of these things against theft for a reasonable amount...

Hog






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 04:36 Post: 70320
grinder

TP Contributor

View my Photos

View my Photos  Pics
Join Date: Oct 2003
Location: central Maine
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 677
 Tractor Insurance Help Please

I recently purchased a kubota 7500. I too was curious and call my home owners. I was told it is covered, under contents I believe? They only asked the value. I think I
will have them send me a note in regard to our conversation.
I don't believe if it left the property it would be covered.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 06:45 Post: 70324
moosefishing



View my Photos

View my Photos  Pics
Join Date: Jul 2003
Location: weatherford texas
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 54

2
Filter by User
 Tractor Insurance Help Please

Sir;
I am suprised that the dealer will let you off the lot with a FINANCED tractor without insurance. The key word is FINANCED. If you paid for the tractor, lock, stock, and barrel, that is a differant story all together. Here in Texas, everything must have "fire and theft" insurance on it, IF, AND ONLY IF IT IS FINANCED. Reguardless of what it is. A car, tractor, boat, pocket knife or drinking glass.
I do not know what California requires.
Again, here in Texas all insurance companies are trying to get the "hell out of dodge". Most of my coustomers are unable to get coverage for a tractor on there own, at any price. It is not avalable. (go away!!!) However the company that finances my retail sales will provide fire and theft coverage. A $15,000.00 purchace will cost you about $15.00 a month. FIRE AND THEFT ONLY... forget about getting the insurance co to pay up because a tree fell on the machine, or you rolled it down the side of a hill, or someone got hurt. That is your baby !!!
If you plan to pay for the machine, you might consider only paying 90% of the machine and FINANCING the rest. This is how I am able to get insurance for my coustomers who "pay for the machine".
I still believe that the dealer will be able to assist you this matter.
By the way, I do not make one red cent on the insuring of machines.
I hope that I have ben a help to you.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 07:52 Post: 70326
DRankin



View my Photos

View my Photos  Pics
Join Date: Jan 2000
Location: Northern Nevada
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 5105

2
Filter by User
 Tractor Insurance Help Please

I have financed two of the three tractors I have had in that last three years. One was with Deere Credit the other with Kubota Credit.

In both cases a letter from my State Farm agent was all that was required to pass muster. It stated that the tractor(s) were covered under my homeowners policy just like all my other possessions. There was no additional charge to me for the coverage.

I was also told, but I will have to double check this, that if the tractor is damaged while I am towing it with my State Farm insured truck and trailer, that it is covered under the automobile policy, for those circumstances.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 07:53 Post: 70327
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 Help Please

My tractor and implements are carried on a special schedule of the homeowner policy. Costs are moderate.

The tractor is required to be suitable for property maintenance and that's what it's used for. Coverage is for the standard theft, fire, vandalism set of things. Property damage or liability is not covered. Like in many things with insurance, I can't get a straight answer whether there's coverage when roading the tractor between our properties but the answer seems closer to yes than to no.

I'm happy enough to have some coverage available in my area even if it is likely full of loop holes large enough to drive the tractor through. I suppose the industry does have it's problems but I'm not sure that many of them aren't of its own making. I haven't heard many industry proposals for helping themselves other than dumping on their customers. Particularly liability coverage seems to be a looming social issue. The cost of responsible adult behaviour is starting to be unaffordable or unavailable for many; but then all you have to do is get poor and then you're judgment proof--even if that's not responsible behaviour.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 08:02 Post: 70328
Chief



View my Photos

View my Photos  Pics
Join Date: Jul 2003
Location: Southwest MiddleTennessee
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 4280

2
Filter by User
 Tractor Insurance Help Please

The Armed Forces Insurance Co. folks told me that my 4410 was covered as long as it was for my private use to maintain my property and it did NOT leave my property. The coverage cost was minimal but I contacted them in advance to verify this and make sure they were aware of the new tractor purchase. When I explained to them that I had a similiar sized tractor here for my use for that past 10 years, they were much more at ease about the tractor. It is coverage along with the rest of my home owners items.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 08:10 Post: 70331
moosefishing



View my Photos

View my Photos  Pics
Join Date: Jul 2003
Location: weatherford texas
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 54

2
Filter by User
 Tractor Insurance Help Please

Sir
Maby I should add that the insurance that I am able to get for my coustomers will only pay the machine off. It will not pay REPLACEMENT COST.
Loaning the machine to a friend... Humm, let me think about this. I believe that if it was a real good friend, I would do the work for him and have him fix the steaks and go get the beer. Loaning out machines, tools and stuff like that is sort of like loaning out your wife. If it comes back at all, it will never be the same again.
As far as coverage while the machine is loaned to a friend..... I really doubt it. The insurance co will most likely find some excuse to turn you down. (Insurance companies are not at the top of my "love list"Wink yeah right
Enjoy your new machine






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 08:21 Post: 70333
Chief



View my Photos

View my Photos  Pics
Join Date: Jul 2003
Location: Southwest MiddleTennessee
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 4280

2
Filter by User
 Tractor Insurance Help Please

Loaning out the tractor is ABSOLUTELY out of the most remote consideration! As is my Dodge Cummins truck and pretty much anything else with a motor or engine on it. I subscribe to moosefishing's policy.






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




Bookmarks: Digg It | Del.icio.us |
 12-05-2003, 10:17 Post: 70347
ScooterMagee



View my Photos

View my Photos  Pics
Join Date: Jul 2003
Location: Nebraska
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 201

2
Filter by User
 Tractor Insurance Help Please

If the tractor is used primarily for the maintenance of your property (non commercial use, non farm use), it is normally covered under you homeowners policy, under personal properly. Personal property is usually covered at 10 percent of the policy value. So if your home is insured for $150,000. You would have $15,000 available to cover your tractor. Personally property coverage is limited to the stated perils, such as fire, theft, etc, etc. Usually your policy can be written to include additional personal property coverage, for jewelry, art collections, etc, etc.

NOTE: States vary, Insurers vary, and Policies vary, so you will have to check your policy closely, or contact your agent.

When trailering your tractor from place to place. If you are hit by someone, then their auto policy is responsible for coverage of the damage they caused. However, if you veer into the ditch to miss a deer, damage to the trailer is typically covered under your auto policy (if you have full coverage), But the tractor (or other items on the trailer) are considered personally property and would fall under your homeowners policy. The exception would be if you are trailering a vehicle that has its own policy, such as another car or motorcycle.

Once again, States vary, Insurers vary, Policies vary, so the only way to really know what’s covered is to check your policies closely, or contact your agent.






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 ] | 2 | 3 | | Next >>

Discussion Boards > Active Subjects > Messages as Posted > Kubota Review Forum

Thread 70317 Filter by Poster:
AV8R 1 | Burger 1 | Chief 2 | DRankin 2 | flyboy 1 | grinder 1 | Gro_Kiwi 2 | Hog 1 | JParker 1 | kubotaguy 2 | kwschumm 1 | moosefishing 2 | ScooterMagee 2 | shortmagnum 1 | TheWDCTexan 1 | TomG 2 |

 (advanced search)

Picture of the Day
EBGwd1959

Mitsubishi - Satoh Beaver 3 pt hitch connection
Satoh Beaver 3 pt hitch connection


Unanswered Questions

Shibaura SD2203 rear axle oil
Mitsubishi MX55
Gator HPX ignition module
SL 1643
Removing LHS rear wheel beari
Gear Grinding 1200A - primary
Replacing a friction diskwashe
Bolens k1502 mitsubishi K3 ove


Active Subjects

Big country 4x2 utility vehicl
Operation
lift cylinder for 3pt hitch wo
Still have jerk in hydro
Flatulent gifts human and dog
front mount snowblower
Hydraulics Won t Work
4210 ehydro codes


Hot Topics

NorTrac Tractor Quality Review
Case 446 hydraulic pump
Long 460 hydraulic problem
Jinma Tractor w transmission p
Flatulent gifts human and dog
Generator set up ideas wanted
6X4 Gator Sometimes Shudders
Roof VP75 Brush Mower Manual


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

+ Kubota AT70s Rear Tine Tiller
+ Kubota HST GST Shuttle or Gear Transmission
+ Best Boom Mower for Kubota B2710 Tractor
+ Definition of Tractor Loader Breakout force
+ Kubota B3200 vs JD 2720
+ New Kubota L3240 First Look Review
+ Kubota Transmission Fluid SUDT
+ KUBOTA Tractor Trouble Free Quality
+ Kubota BX2230 VS kIOTI CK20HST
+ Replacement for Kubota Super UDT Hydraulic Fluid

Most Discussion

+ How to match Truck to Trailer
+ New Kubota L3240 First Look Re
+ Kubota Number 1 in Compact Tra
+ KUBOTA Tractor Trouble Free Qu
+ Source for after market produc
+ 3-Point Quick Hitch
+ B 7100 ST - Making the Leap
+ Kubota Transmission Fluid SUDT
+ Kubota vs John Deere Compact T
+ L3130HST vs JD4310Hydro HELP

Newest Topics

+ LOOKING FOR PERSONAL USE TRACTOR
+ 3 PT POSITIONDRAFT ICON NOTIFICATION
+ BX23S
+ Kubota B2301 vs Deere 2025R vs Mahindra Max24
+ 5040 shear on my PTO shaft
+ Kubota B7100 HST Flipped Will Not Move
+ Kubota b7100-hst
+ B2601 vs bx1800
+ 2000 B2710 I need a loader dealer wants over 4K an
+ Upgrading the Factory 145amp Alternator to 40 Amp
















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