Tractor insurance

[jkirt]

Does anybody know of a insurance company that will provide Theft ,and liability insurance for a tractor,
we sold or home in Az and now live in a rental home ,while we are building our new home appx 2 miles down the road.

 

[joshuabardwell]

For theft, I have what's called an inland marine policy. That's what my agent recommended. As for liability, I don't know. I'm with Shelter, if that helps.

 

[oldballs]

I don't know how this fits into "building a home". But Homeowner's Insurance can cover the theft of a tractor according to the value of the tractor and the deductable you choose. The same is true for the liability as long as the tractor is on the HO's property. Someone correct me if I'm wrong. In the case of theft, the tractor just comes under the list of personal possessions that are included in the policy.....at least that's the way mine is set up.....I think.

 

[joshuabardwell]

I don't know how this fits into "building a home". But Homeowner's Insurance can cover the theft of a tractor according to the value of the tractor and the deductable you choose. The same is true for the liability as long as the tractor is on the HO's property. Someone correct me if I'm wrong.

Depends entirely on the policy. Don't assume. Some policies wouldn't cover a tractor, or would require that the tractor have its own rider (or whatever you call it). Lots of policies have limits on what they cover, to protect the insurance company.

 

[xrjohndeere]

Does anybody know of a insurance company that will provide Theft ,and liability insurance for a tractor,
we sold or home in Az and now live in a rental home ,while we are building our new home appx 2 miles down the road.

SENTRY INSURANCE. IT IS THE COMPANY THAT JOHN DEERE USES. BEST PRICE AND COVERAGE. THEY SPECIALIZE IN AG EQUIPMENT. I WOULD GIVE YOU THE NUMBER BUT IT IS IN MY DESK AT WORK.

 

[rd_macgregor]

I added my tractor and implements (which are all stored/parked outdoors) to my homeowner's policy.

 

[Mac D]

I'll speak on this as a Tractor owner AND an Insurance Agent. The comment regarding the tractor being insured on the home policy is mostly correct...where most companies hang their hat is on the language that says that the tractor is used to maintain the primary residence. If you are in a rental property and not using it this way I'd be afraid to 'assume'. My current Auto policy (Farmers) has a rider for THEFT and 'UPSET' of my John Deere tractor. Not much extra for adding the rider.....you might ask about a rider on the Auto you have.

 

[jkirt]

SENTRY INSURANCE. IT IS THE COMPANY THAT JOHN DEERE USES. BEST PRICE AND COVERAGE. THEY SPECIALIZE IN AG EQUIPMENT. I WOULD GIVE YOU THE NUMBER BUT IT IS IN MY DESK AT WORK.

Ok thanks for all the response,but still striking out . Key word here is ,yes we own property ,but the dwelling is not built yet. We are in a rental home ,hence NO homeowners policy in affect yet, my biggest worry is theft.

Sentry will write a commercial policy.

Still looking for help here.

 

[PMA]

In South Carolina I use Farm Bureau Ins. They specialize in equipment and liability for land.

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[grsthegreat]

State farm sells an inland marine policy that will pay for theft, damage and liabiality. I have it for mine due to commercial snow plowing. Not too expensive. to protect $45,000 in tractor and equipment i pay $142.00 premium/ 6 mts. 500 deductable. 300,000/600,000 liabiality

 

[oldballs]

Ok thanks for all the response,but still striking out . Key word here is ,yes we own property ,but the dwelling is not built yet. We are in a rental home ,hence NO homeowners policy in affect yet, my biggest worry is theft.

Sentry will write a commercial policy.

Still looking for help here.

Okay, for theft as well as tractor damage, try the Kubota sponsored KTA that is advertized on this site. They do theft regardless of where the tractor is located. Good luck for your peace of mind search.

 

[PMA]

My homeowners is with a different company. Use Farm Bureau only for equipment and farm land liability. Like he said very cheap. I have all my hay equipment, zero turn lawn mower a JD Gator and its like $300.00

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[koamfps]

I use Farm Bureau Insurance as well been using them for years.

 

[David Devuono]

When asking about insurance on my tractors, the agent said that I am covered for 10,000 on my standard policy. Since my tractors are old that was good enough for me. Now that I am buying one over $10,000 dollars, i will know later today what it will cost in Canada.

 

[paulharvey]

I live in Florida amd have Citizens Insurance, which is a semi private/semi state owned company (owned by state and ran as a business), and it specifically does NOT cover theft of any kind. Are you using "construction risk" insurance on the new home, that might might include it, just make.sure you actually do or dont have it covered, dont AssUMe.

 

[bigblock]

In South Carolina I use Farm Bureau Ins. They specialize in equipment and liability for land.

I'm in Georgia and use them also so they may be in Arizona too.

 

[unbidden]

http://www.farmfamily.com/

 

[Looking4new]

I'm in Northern Ontario and use State Farm for the tractor (exclusively) and the house and vehicle. The boat is covered by a different insurer.

 

[CurlyDave]

Here in Oregon, I use State Farm for everything. Homeowner's, Autos and tractor which is covered under a "Personal Articles" policy. I also have an umbrella policy, which covers everything.

Since you don't have Homeowner's, sometimes a rental policy will substitute for that.

In this day & age you really need an umbrella policy. $1,000,000 lawsuits are not that uncommon at all.

The big deal here is that if you are sued for liability, the insurance company will provide you with an attorney for your defense. If they are potentially on the hook for only $100,000 you get a "B" team lawyer. If they are on the hook for more money, you get an "A" team lawyer.

 

[jkirt]

Hey thank everyone I did find insurance ,case closed