As a former insurance adjuster for 47 years typically a tractor is covered if it is used for the upkeep of the premises same as with a riding mower, but not if used for farming purposes. What constitutes farming purposes can be tricky. If a person is really engaged in farming then you may not have coverage for a building in which the equipment is parked. Otherwise the building may be covered under a straight ho policy since it does not house farm equipment. If things are not clear cut it is always best to have the agent get a ruling in advance from the claims department in writing. Just be sure you give the claimsperson ALL the information.
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Today's Featured Article - Stories From Old Farmer - by K. Pratt. Old Farmer, a.k.a. Dale Jensen began posting messages to our discussion forums at the grand age of 75. With extensive knowledge of farming and tractors, he valued the past and the ways that went with it. He shared these values with us until shortly before his passing. I spoke with Dale in his last days and requested his permission to share some of his stories with the readers of our magazine. He agreed, and provided the
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