Posted by Errin OH on September 19, 2010 at 07:24:36 from (71.79.146.170):
In Reply to: Tractor Insurance posted by Inno on September 19, 2010 at 06:35:54:
First step is to speak to your agent. My tractor is insured under my farm policy for replcement value. Doesn't matter if it burns to the ground, falls off a cliff, or is stolen. You really need to know just what they will cover and they only way to do that is to talk to them.
I switched when I found out that my "libility" insurance was limited to using it as a lawn mower when I had normal homeowers insurance. In other words if I wasn't on my place pulling brush hog, I had no libility insurance. If on the road moving from one place to another, no coverage. If I was planting, no coverage. If on someone elses place, no coverage.
Switched to a farm policy to get full libility for the hay and cow biz. It is now covered on the road, covered pulling anything, and covered on any ground I am working on. So is the combine. In short my azz is covered...........
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