Posted by Oregon Tractor Jack on May 31, 2016 at 06:53:17 from (98.232.236.177):
In Reply to: Tractor Insurance posted by hardinfarms on May 30, 2016 at 18:42:13:
You should always check with your insurance carrier for coverage. I can have one tractor covered on my home owners insurance. All of my other tractors are on a personal articles rider on my home owners policy. As stated earlier, once the tractor leaves the property it is not insured. I have State Farm for both home owners and auto insurance.
I was told by my agent that I have NO insurance if any of the tractors are used in any type of competition such as a tractor pull. So if I were to have an accident while going to or from a pull, it would be a "Tractor Show" as far as my insurance company is concerned. This is on my auto insurance policy.
Also, your auto insurance will only cover the hauling vehicle and the trailer/load as long as it is all intact. In other words if you have an accident and the tractor comes off the trailer and causes damage/injury you are on your own.
Again always sit down and have a face to face with your agent and find out just what the limits of your policies are. I know it was very enlightening for me when I did it.
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