I assume you are concerned about loss coverage, rather than liability. Your homeowner's coverage should handle any liability you might incur from the non-farm operation of your tractors. If you're using your tractors in any sort of business, though, you need liability coverage for the business. And if there's a gray area whether or not you have an actual business, umbrella policies are cheap.
You don't say what sort of tractors you have. Remember the whole purpose of insurance is to cover losses you can't afford. If you have, for example, a four thousand dollar tractor and twenty thousand in the bank, it doesn't make a lot of sense to cover the tractor against loss, since you can afford to replace the tractor if it's damaged or stolen.
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Today's Featured Article - Show Coverage: Godfrey, Illinois Country Days - by Cindy Ladage. Except for last fourth of July's Old Gold show in Springfield, Illinois, I don't remember when it was so hot. Nevertheless, the heat didn't keep vendors and visitors alike from enjoying the third annual Country Day's Event. Jane Elliott said the event was originally a one man show. "Barry Seiler, owner of Country Town Farm Supply store used to invite people up to the Johne Deere store. He would give hats and a free meal for everyone that brings a tractor." Elliott said while this
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