I live in new brunswick and was told by my dealer here that as long as your on your own property and not using a tractor for commercial use then you dont have to license it. Its covered on your home insurance in most cases as long as your on your personal property. If you plan on using it commercially then you have to add insurance for that and like everything else here you pay through the Nose for it.
Moving some dirt
- Thread starter amarsh64
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amarsh64
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I had to change home insurance [ which at the time seemed to be all I could find to cover our tractor] when we bought it because our company did not offer coverage period on or off the road . That was a pain. A few months ago my old home insurance company which we still have the auto insurance with let me know that they now carry tractor insurance. :irked: Anyway , long story short I need the plate because I have to go on the main road to get around to the backside of my property and to a few friends if need be. Like you said " through the nose " .
Don't need to register my tractor but adding it to my Homeowners Insurance is an additional $500 per year. Could be worse I guess. This is for the tractor never leaving our property.
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When I bought my tractor i thought that maybe I could pick up a couple of the neighbours driveways in the winter and help make the tractor earn its keep here. I looked into commercial insurance and was quoted over $1000 per year. So I added it to my home insurance. About a year ago I was looking around and found an insurance company that would insure my tractor as non commercial for $18 per month, and I just worry about keeping my own yard clean.
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amarsh64
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My tractor is around 325 extra on my home insurance per year . This gives me coverage if i have to go from point a to b on the road or in a neighbour's yard but not if I am using it for commercial use. 18 bucks a month seems really good for regular on property use. :thumbsup:
kthompson
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As 30 plus years as insurance agent don't determine good or bad insurance by price alone. $500 a year may be much better value than $18 per month or might not be as good as coverage as the $18 is. Tractor coverage is not near as simple as auto is for not established standards auto has making it easy to compare.
Frankenkubota
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My drive is 2600 ft so.....I wrote a check. In addition to putting in 6 culverts they had to smooth out the old logging road and cut in 500 ft new and then 480 tons of crush and run, more to came.
I知 pleasantly surprised by how much abuse the culverts can take.....so far. I Can稚 lie, I backed my big heavy tractor over the end of one and it did no damage. Better yet, because of all the mud, every poor ups/fedex driver and all material deliveries are forced to back out, 2600 ft, Curvey and up and down!
I致e seen lots of truck tire marks over the ends of at least 3-4 of them with no apparent damage. They seem to be pretty tuff.
In m6 case, they might be completely full of red mud? (Not really)
Nice job
I知 pleasantly surprised by how much abuse the culverts can take.....so far. I Can稚 lie, I backed my big heavy tractor over the end of one and it did no damage. Better yet, because of all the mud, every poor ups/fedex driver and all material deliveries are forced to back out, 2600 ft, Curvey and up and down!
I致e seen lots of truck tire marks over the ends of at least 3-4 of them with no apparent damage. They seem to be pretty tuff.
In m6 case, they might be completely full of red mud? (Not really)
Nice job
Frankenkubota
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Mine was under $100/ year added to homeowners, full coverage.
Amica Ins
Amica Ins
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amarsh64
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Sounds like you had a much bigger job than I did FrankenKubota . I bet you are some happy with your upgrades to your driveway . Well done sir . 
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amarsh64
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Time to continue on past the culvert.
We started pushing into the woods last week. Dug out a fair amount of stumps and moved a bunch of brush and logs aside.
The boss even gave me a hand. She is getting good with the loader ! We have a grapple coming this week and that will easily take care of all the roots, brush and logs that are in the way. Slow but sure . The main thing is we are having fun
We started pushing into the woods last week. Dug out a fair amount of stumps and moved a bunch of brush and logs aside.
The boss even gave me a hand. She is getting good with the loader ! We have a grapple coming this week and that will easily take care of all the roots, brush and logs that are in the way. Slow but sure . The main thing is we are having fun
