Brad: Insurance is damn hard to give advice on, seems like every company treats it differently. I carry what my mutual insurance company calls Farm Liability, costs me about $150. per year and I am covered for $2,000,000. liability in any given incident with any given tractor or implement. I had to give serial numbers only on tractors.
I don't carry any compensation for loss of my own property as in collision, fire or theft. It's a rip off, I've had one tractor burn in 45 years. Couldn't get anyone to give me $500. before the fire. After the fire a guy gave me $1,000. for it. Even back in the days when I was running new tractors, nothing but Farm Liability. That is why my tractors always sat outside. If you have shed fire you loose all in that shed. If one of 7 tractors catch fire outside, you loose one tractor.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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