Insurance again

Thanks Nik for the recommendation of Farm Bureau. Thanks others for advice, but what I am looking for is what company do you use that gives you the coverage that you need for your tractors and the use of them. My primary concern is liability. surely everyone is not operating uninsured, and there must be a few out there who are happy with their company. I would like to keep my home and property.

Farmers Union covers my 5 acres of
paradise. No farming going on here, but
it is a farm policy and covers my old
tractors for liability. Also covers my
personal tools that are off premises
(work). The old stuff has no loss
coverage, as I can live without it if
something happens.

Vehicles are with another company, have
been with them a long time. Farmers
Union agent quoted vehicles and was
close, but we stuck with what we have.

I dumped Farm Bureau after they only gave me $1500 on a $4200 hail damage claim. They said no one sells the insurance that doesn't depreciate shingle.

Indiana Farmers covers shingles, you only pay deductible, and they pay off too.

I have an independent agent that found a company that covers my tractors, car, truck, trailers, home and business. They shops around for the best deal.

It is difficult to find a company that wants to cover just one thing, they want all your business. I have a commercial property and it's difficult to find a company to cover it.

Show I could be wrong but farm insurance will cover you for say haying or cultivating owned or leased land. Working out like street sweeping, road side mowing is another separate thing. Most has a loss for tractor much like auto collision and that is separate. Some have a rider for say hayrides, farm stands etc. A GOOD AGENT WILL BE YOUR BEST BET.

It used to be the norm not to depreciate repairs under a homeowner policy and you can still buy that coverage but Farm Bureau is one that will depreciate any repairs. I have them but looking for another company.

It is best to go with an independent agent for their goal is to find the best coverage for their insured. A captive company will try to keep you with their company even though they know you can do better with an independent. State Farm, Farm Bureau and the like are basically captive companies. They can place you with another company usually if the main company won't accept you but premium is high and coverage may be poorer.

I carry insurance on my mowing and discing business. I have liability only I pay around 750.00 a year for a million property damage. The company is Peerless Indemnity Insurance co. 1-800-688-8661 I go through a broker here in California. I had a claim one time for a 1,500 window I broke with a rock from my mower. I paid 500 the insurance paid the rest. My rates didn't go up.Yes it was a big window. Hope this helps. Stan

As far as I'm concerned having Farm Bureau Insurance is one step above having no insurance. See my response to NIK below.

(quoted from post at 05:33:10 09/18/16) Thanks Nik for the recommendation of Farm Bureau. Thanks others for advice, but what I am looking for is what company do you use that gives you the coverage that you need for your tractors and the use of them. My primary concern is liability. surely everyone is not operating uninsured, and there must be a few out there who are happy with their company. I would like to keep my home and property.

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You need to ask this question in your state as state insurance laws vary greatly! What works well for me here in MN may not work well for you at all. I'm through American Family for everything except health. It meets my needs to include me running my tractors down the road and working off my property. They may not meet your needs in your state! Research on your computer! You can get the answers you seek directly from the company, not through an agent who may not be as knowledgeable as they would like for you to think!

Rick

I have State Farm. The regular house insurance does NOT cover equipment off the property. So if O am moving dirt in the yard I am covered but if the same tractor is on a plow day it is not covered under the home owners. I have a farm policy for that. The trouble is State Farm has everything combined. Auto, house, and farm. It makes things more confusing when your trying to price shop. I have only had one claim with State Farm and that went well.

I do not like the paper work they send me. Each vehicle insurance card comes in a separate envelope. Also the vehicle coverage and policy dates are when you started insurance on that vehicle. So they are all at different times if you do not make them change them to the same date. Meaning if your car was bought in Jan. Then it's policy and insurance card date is then for the future. Your pickup in July it will be July from then on. So you have insurance cards and policies annual dates at different times. Fi you have several vehicles it makes it a mess.

I told the agent that this year he is going to have to have separate policies for the house, cars/trucks and farm. I will not have a big bundled mess in the future. It is confusing. My trailers are on different policies than the cars. They need paid twice each year , on different dates than the cars/trucks. The JD Gator is on its own policy, another date and card to worry with. I get mail just about weekly for State Farm. It is a mess.

Better stop knocking on wood. Ask FB if they cover shingles after they are more than 15 years old?

State farm won't cover commercial properties.

I have absolutely no complaints about my independent agent. They got the insurance coverage I wanted, while others said it's no longer available. They also found me insurance on my tractors and Kaw mule at a very low rate.

You learn how good your insurance is when you file a claim. Indiana Farmers paid off like they said they wood and the price isn't that much more.

I stink I'm suffering from bain damage. Kan't spellss like a normal person wood.

All you guys saying Farm Bureau does this, doesn't do this, wont cover this, etc. need to know that every state Farm Bureau is different. Missouri Farm Bureau is totally independent of other states. A few of em have merged or banded together, and some of them write in multiple states. But for the most part they are different. Their connection is the political arm, American Farm Bureau Federation, and then most of the states insurance companies get their reinsurance through American Agricultural Insurance company. But getting their reinsurance from the same place doesn't mean their policies, coverages, rules or rates are the same.