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 08-20-2004, 12:02 Post: 93938
kenbreland



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 Insurance Question on Small Tractor

I have a Kubota 2230 and having questions as to insurance coverage. My agent (allstate) says I am not covered on the highway (towing) unless I purchase a "Recreational Vehicle Policy" and only up to 10,000 on my homeowners policy for fire, thief, etc.
Anyone have any recomendations for other insurance companies or their insurance experience?






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 08-20-2004, 12:11 Post: 93943
Iowafun

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 Insurance Question on Small Tractor

I talked to my agent about insurance when I ordered my 4310 three weeks ago. I'm with Farm Bureau and they said I was covered under the overall homeowners umbrella for the replacement value at no extra cost. This is due to their high content level they have as a % of the total home value. This is contingent upon not using it for business purposes.






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 08-20-2004, 21:27 Post: 93991
AV8R



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 Insurance Question on Small Tractor

On my policy (Farmers Insurance Co.) it is fully covered, as Iowafun said, as long as it is on my property. If something happens while towing, my homeowners policy does nothing. I had to add a rider on my truck insurance to cover it.






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 08-20-2004, 21:35 Post: 93992
kwschumm



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 Insurance Question on Small Tractor

I doubt if any standard homeowners policy covers a tractor for damage caused by human error - rolling it, falling a tree on it, etc. If wind blows a tree down and it falls on your tractor it's probably covered, but if you cut down a tree and it falls on the tractor it probably isn't. If they say they do then they should show it to you in writing.






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 08-21-2004, 09:46 Post: 94025
Chief



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 Insurance Question on Small Tractor

I insured my 4410 with Farm Bureau. I have a farm policy that pretty much covers the tractor for everything including transporting it. I believe it cost about $200 annually.






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 08-21-2004, 10:24 Post: 94031
jpr62902



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 Insurance Question on Small Tractor

What potential loss are you trying to insure? Damage TO your tractor or damage FROM your tractor? Damage TO my tractor is covered on my homeowner's policy when the tractor is on my property. If, say, I'm transporting it and it is damaged, or it falls into a hole I'm digging at a friend's yard, I had to get an inland marine policy (about $200.00 per year)to cover damage TO the tractor. If my tractor causes damage (i.e. it falls off the trailer and hits something) my auto/umbrella liability covers that. That said, I'm not covered for commercial liability, so no backhoeing for hire for me.






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 08-21-2004, 10:58 Post: 94035
lucerne

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 Insurance Question on Small Tractor

If you finance your tractor through Kubota or JD they usually add the insurance in. That way if it gets damaged they fix it. If it fell off a truck and got totaled some people might not keep on paying for it, thats why the insurance. JD's coverage is cheap, Kubota is a little more. I have a full coverage,comp, liability insurance for my business equipment on top of that.






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 08-21-2004, 15:23 Post: 94048
grassgod

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 Insurance Question on Small Tractor

Leucerne - you & are have the same kinda of policy. I am cover anywhere that I go with my tractor no matter what the reason of the accident was. I would imagine anyone could get that coverage other then a business owner, Just depends on what they are willing to pay.






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 08-21-2004, 15:46 Post: 94050
lucerne

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 Insurance Question on Small Tractor

Grasgod, In Maine you can't leave the dealer with the tractor unless you have insurance to cover the damage on the tractor if it is financed. I checked around and theirs was cheaper then my agents. Same with auto, you can't register it without proof of at least liabilty insurance, even if it is paid for.






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 08-21-2004, 21:29 Post: 94079
grassgod

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 Insurance Question on Small Tractor

CT laws are the same way






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