I insure most everything with at least some coverage. Its a balance between self insurance and purchased insurance. In the first year I insure anything with a purchase price of over 2000 dollars at purchase price. After that I increase or decrease accordingly. Mine costs shade over 6 dollars per thousand dollars coverage for machinery and equipment, 7.50 per thousand on wooden farm buildings, and 6.00 per thousand on metal or masonary buildings. The barns in particular are only covered at what they are worth to me for hay storage. Were I to lose one I'd not replace it with another 40K dollar tobacco barn but a 10-15 K hoop building. Where I really felt the need to increase coverage was liability. My base farm owners had 300,000, and on auto I was carrying 100/300. Not enough for a bad accident. So I upped my auto to 250/500 and added 4M of umbrealla liability. Its one thing to have barn burn and I lose something, its another to have to pay out a bunch to someone else. The liability upgrade was 300 bucks for the first 1M and 100 for each additional.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
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