Like JD says you can buy a rider on your standard HO policey. The thing is they will determine the actual value of the tracor if a loss occures by the market (local area in some states), not what you claim it's worth. That means that if you insure a tractor for 5K and it is damaged they are going to look at the value on the national or local area and pay that amount minus the deductable.
You have to read and understand your policy here! Your standard policy is not going to cover a flood. In fact flooding will be excluded in the policy. Your 2K collector tractor is more than likely covered under your home owners policy except for an injury accident on your property and even that may be excluded. This also applies to ATVs, boats and snowmobiles!
I cannot state this any louder! An insurance policy is a contract. You meet your end and they meet their end. Insurance is not supposed to make it a profit for you. It's to put you back to where you were before the loss occurred! Anything more is by legal terms betterment.
Don't trust your agent! They may not know anything the company isn't telling them! My own agent isn't knowledgeable about state law. The company is very good but he isn't the smartest guy I know.
Heck yer on here....logic tells me you have internet access.....so spend a ittle less time on here and a little more time surfing the web!
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