I think there is issue with insurance on our tractors that always needs to be clarified with the insurance agent.
When I was seeking insurance on the tractor when we built our house 30 years ago my State Farm agent told me that had coverage on my tractor for any use around the home. This would take care of fire, theft, overturn, at long as it was being used on the property. He clarified that it would not be covered if taken off the property. That exclusion included when used on public property.
I, like many of us, need to be on the public right of way when plowing snow next to the road. I use adequate lighting and my hazard flashers all of the time but I don't think one can rule out the possibility of an potential issue with a motor vehicle. He stated there is no liability or physical damage coverage if this takes place on the right of way.
I'm sure many would suggest that the chance of having an issue while on the public right of way is so unlikely that it is not worth worrying about.
About ten years ago I was mowing in the bottom of the road ditch with my JD 1026R when a car driven by an impaired drive went by me at about 50 miles per hour missing me by about five feet. The driver steered back toward the roadway, sheared off my mailbox and post, and ended up on the opposite side of the highway in a field driveway. So while this is a freak of nature incident it reminded me that it can happen.
I should add that he also stated that transporting to and from the dealership for service or repair is not covered.
I was able to find a company who could write a policy for a farm that eliminated all of these exclusions and we added coverage for a small amount of custom work if I decided to help a neighbor with some snow removal or lawn mowing. I think it only added about $25 per year.
