Insurance Personal use tractor insurance
- Thread starter Cliff_Johns
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Cliff_Johns
Elite Member
</font><font color="blue" class="small">( I just got my policy from Farm Bureau. It covers everything, including rollovers. It was $109/year for a $27,000 tractor.
KiotiMutt )</font>
Does it include Liability off your property? That's really the sticking point.
Cliff
KiotiMutt )</font>
Does it include Liability off your property? That's really the sticking point.
Cliff
SnowRidge
Elite Member
<font color="red">(( I just got my policy from Farm Bureau. It covers everything, including rollovers. It was $109/year for a $27,000 tractor.
KiotiMutt )
Does it include Liability off your property? That's really the sticking point.) </font>
Our policy from the TN Farm Bureau does. BTW, Farm Bureau policies are written by different companies in each state. Be sure to check what your state's Farm Bureau insurance covers.
SnowRidge
.
KiotiMutt )
Does it include Liability off your property? That's really the sticking point.) </font>
Our policy from the TN Farm Bureau does. BTW, Farm Bureau policies are written by different companies in each state. Be sure to check what your state's Farm Bureau insurance covers.
SnowRidge
.
slowrev
Elite Member
Farm bureau was the only company that would insure my home on my farm when I bought it a few years ago. I had been a state farm member for 30 years and they would not insure it, too far out of town. Guess they don't want to take any risks anymore.
Well I swithched all of my stuff from State Farm to Farm Bureau and have had no problems and saved more money than going with the lizzard.
Well I swithched all of my stuff from State Farm to Farm Bureau and have had no problems and saved more money than going with the lizzard.
JazzDad
Gold Member
SnowRidge hit the high points in his latest post: Make sure to get liability and check around. Any agent worth a mound of beans will explain the coverage available. Don't try to use information from your cousin (twice removed, on your pet aardvark's side) who bought a policy in some other state. The coverage will vary from state to state and from company to company. And when you get your policy- READ IT! Make sure it's going to serve you if the need arises.
ronbo3
Bronze Member
My tractor is insured on a policy that I bought from my Kubota dealer, but it is through an independent company, and not Kubota. It is an all purpose policy (fire, theft, weather, vandalism, accidents, etc.) that costs about $100 a year. State Farm wanted more than $300/yr to insure the same tractor. You may want to check with your local tractor dealers to see if any of them sell tractor insurance.
TORQUIN
Silver Member
</font><font color="blue" class="small">( My tractor is insured on a policy that I bought from my Kubota dealer, but it is through an independent company, and not Kubota. It is an all purpose policy (fire, theft, weather, vandalism, accidents, etc.) that costs about $100 a year. State Farm wanted more than $300/yr to insure the same tractor. You may want to check with your local tractor dealers to see if any of them sell tractor insurance. )</font>
I asked my dealer about this insurance when he delivered my 3830 today. He said he doesn't push it because it is only for the duration of the financing, essentiallyinsuring THEIR interest in the ttractor. If you pay it off early the insurance is cancelled. They will give you a refund on the "unused" protion of the policy though.
This may or may not be different from what you got from your dealer.
Chris
I asked my dealer about this insurance when he delivered my 3830 today. He said he doesn't push it because it is only for the duration of the financing, essentiallyinsuring THEIR interest in the ttractor. If you pay it off early the insurance is cancelled. They will give you a refund on the "unused" protion of the policy though.
This may or may not be different from what you got from your dealer.
Chris
Lazy
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Hi
Do you really need Liability Insurance on a tractor if its not driven on a public road? I can see having Insurance to protect the lender and or the dealer. How could a guy with more than one tractor afford it? If a person didn’t have to buy Insurance and pay taxes they could retire by the age of 35.
Charlie.
Do you really need Liability Insurance on a tractor if its not driven on a public road? I can see having Insurance to protect the lender and or the dealer. How could a guy with more than one tractor afford it? If a person didn’t have to buy Insurance and pay taxes they could retire by the age of 35.
Charlie.
Poppa
Gold Member
</font><font color="blue" class="small">( Hi
Do you really need Liability Insurance on a tractor if its not driven on a public road? I can see having Insurance to protect the lender and or the dealer. How could a guy with more than one tractor afford it? If a person didn’t have to buy Insurance and pay taxes they could retire by the age of 35.
Charlie.
)</font>
Charlie, I did it for one reason. Brush cutting along the frontage of my property. That is an area most likely to have something tossed into it that I don't know about and I just had a vision of my Rhino, tossing the remains of a rock or coke bottle or car battery into the windshield of someones car as they drive by at fifty miles an hour.
Farfetched? Probably. No, make that Hopefully. But then again, isn't insurance always the thing we buy that we hope is the biggest waste of money???
Anyway, big, strong, diesel-powered Kubota came onto my property and I instantly boosted all my liability insurance across the board. Like I said, I hope it is money wasted.
Mike
Do you really need Liability Insurance on a tractor if its not driven on a public road? I can see having Insurance to protect the lender and or the dealer. How could a guy with more than one tractor afford it? If a person didn’t have to buy Insurance and pay taxes they could retire by the age of 35.
Charlie.
)</font>
Charlie, I did it for one reason. Brush cutting along the frontage of my property. That is an area most likely to have something tossed into it that I don't know about and I just had a vision of my Rhino, tossing the remains of a rock or coke bottle or car battery into the windshield of someones car as they drive by at fifty miles an hour.
Farfetched? Probably. No, make that Hopefully. But then again, isn't insurance always the thing we buy that we hope is the biggest waste of money???
Anyway, big, strong, diesel-powered Kubota came onto my property and I instantly boosted all my liability insurance across the board. Like I said, I hope it is money wasted.
Mike
OP
Cliff_Johns
Elite Member
</font><font color="blue" class="small">( Do you really need Liability Insurance on a tractor if its not driven on a public road?)</font>
I guess not.
But, the reason I posted this was that I wanted to drive on a public road. The rental place is only a couple blocks from my house so I thought I would just drive the tractor up there and hook up the chipper and drive strait to my back yard. It seemed easier than hooking it up to the truck, pulling it home then switching, then switching it again to take it back. Then the Insurance CO said, the tractor itself is covered, but I have no liability insurance if I'm off my property.
I need to rent various equipment so I figured I'd get the insurance if it's not too expensive. It turns out the price and coverage varies quite a bit. It pays to shop around and READ THE POLICY.
Cliff
I guess not.
But, the reason I posted this was that I wanted to drive on a public road. The rental place is only a couple blocks from my house so I thought I would just drive the tractor up there and hook up the chipper and drive strait to my back yard. It seemed easier than hooking it up to the truck, pulling it home then switching, then switching it again to take it back. Then the Insurance CO said, the tractor itself is covered, but I have no liability insurance if I'm off my property.
I need to rent various equipment so I figured I'd get the insurance if it's not too expensive. It turns out the price and coverage varies quite a bit. It pays to shop around and READ THE POLICY.
Cliff