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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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