Tractor Insurance
- Thread starter Dustypp
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JethroB
Veteran Member
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- May 19, 2020
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- Really Deep Southeast
- Tractor
- Kubota L5460 HSTC Cab, MF 135 Diesel
Will it be used commercially or for-hire? That’s a game changer for insurance covenrage according to my agent. I have my 2018 54 hp Kubota on a Auto Owners farm policy that covers theft, fire, physical damage (not CYA Kubota insurance) at actual/depreciatEd value including liability on and off the property for about $170/year with a $1k deductible. For hire is a no-no.
Yes for commercial off and on my property
5030
Rest in Peace
- Joined
- Feb 21, 2003
- Messages
- 28,967
- Location
- SE Michigan in the middle of nowhere
- Tractor
- Kubota M9000 HDCC3 M9000 HDC
Mine is about 120 for each tractor, full coverage here and away. It's an ag policy however.
10 $ a month?
5030
Rest in Peace
- Joined
- Feb 21, 2003
- Messages
- 28,967
- Location
- SE Michigan in the middle of nowhere
- Tractor
- Kubota M9000 HDCC3 M9000 HDC
About. All my coverages for all the farm related items are bundled together. I own a lot more than just tractors.
JethroB
Veteran Member
- Joined
- May 19, 2020
- Messages
- 2,333
- Location
- Really Deep Southeast
- Tractor
- Kubota L5460 HSTC Cab, MF 135 Diesel
^^^ Who doesn’t?
I have mine on my auto policy. Full coverage for both tractor and pickup runs me 1097 $/year. I don't have my bill right in front of me so can't break it down but that's for full coverage on my pickup, as well as on my tractor. It does not cover any implements, however.
macdoesit
Silver Member
- Joined
- May 7, 2021
- Messages
- 191
- Tractor
- Mitsubishi MT 2801fd Loader
Mine is covered in my homeowners Ins as long as it does not leave property.
5030
Rest in Peace
- Joined
- Feb 21, 2003
- Messages
- 28,967
- Location
- SE Michigan in the middle of nowhere
- Tractor
- Kubota M9000 HDCC3 M9000 HDC
Maybe I should have clarified that to ag related equipment. All the tractors (I own more than one), all the implements and the barns and even the feed stored on the farm is insured against all perils. Far as vehicles are concerned, in this state they have to be insured or you cannot obtain plates for them. My ag policy also covers the 3 rental properties I own as well. I'm a 'slum' landlord...lol My slums all appraise at over 300 grand each.