First of all, you really need to talk with your insurance carrier. I spent months (September till the end of November) chasing insurance for mine and it was difficult. Different carriers have different coverage. I could give you a perfect description of my coverage, but it would be unsafe to assume another carrier has the same provisions. My basic coverage is different with the new carrier than it was before I switched.
Old carrier - Tractors fully covered for loss and liability on my property only. Period.
New carrier basic policy - One tractor is covered for loss and liability on my land, and for liability only when off my property. One tractor covered for loss and liability on my land and not covered at all while off my property. This carrier has a "25 Horsepower Rule". The Ford is 16 or 17 HP, so it automatically gets coverage the 32 HP Kubota does not.
To get liability coverage for the Kubota (actually covers both) I have a million dollar liability policy. For loss, there is a separate but cheap policy that covers up to $17K on the Kubota only. This is only possible because I never get paid for what I do off site. One neighbor, an old maid never even says "Thanks", but I know she needs the help. I mow here at home and for one widow. Snow removal is here, a nearby brother-in-law, two widows, an old maid and our church. If I were to get paid, it would require a commercial policy.
As frustrating and time consuming as it was, the effort was worthwhile. We ended up with the tractor coverage we wanted and after shifting the auto and home to the new carrier we spend slightly less than we had been paying. We now have better home and auto coverage as well.
Along the way, I received ballpark prices from $650 to over $1,000 for separate policies to cover the liability only - but they didn't materialize.
