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Re: tractor insurance ...who has it?????
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Posted by Phil in MS on December 06, 2000 at 06:14:18 from (207.203.128.11):
In Reply to: tractor insurance ...who has it????? posted by stuart on December 06, 2000 at 05:26:32:
Insurance might be OK but try the answer the following questions first! 1. Would a total or partial loss of one or both tractors put an extreme fincial strain on you and your family.(If yes, you need insurance) 2. Since these are older tractors will the insurance pay the face amount or will the value be depreciated to the point that you get nothing?
(This is a VERY important question. Why pay the premium if they will only pay a fraction of the claim) 3. What kind of coverage do you have on your truck and towed vechile (trailer)? This may cover some or all of the value of you load (tractor and or implements) if you are involved in a road accident. 4. Depending on acreage and production, you may need some type of farm/ranch coverage to obtain proper liability coverage. On the other hand if you only have two tractors as a hobby on one or two acres your current homeowners may cover everything (except tractor value) under your present premium. Farm Bureau, Shelter Insurance and State Farm have farm policies (and maybe others). Check with each one using the present coverage that you have, then add farm or tractor protection to see what the overall cost will be! Last, I would think Allstate has a Marine policy which may cover personal property such as boats, trailers, and maybe TRACTORS! Good luck,
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