Re: Tractor Insurance

Posted by Fred Milner on May 01, 2004 at 15:10:06 from (66.168.91.91):

In Reply to: Tractor Insurance posted by jerry on May 01, 2004 at 10:37:05:

I was concerned about the same thing. My home owners insurance said they would cover my tractors until I told them I was going to take them to shows and run them on the road from time to time, at that point they said I would not be coverd. I suppose I had to keep them in a locked barn with the wheels off for them to cover them. I checked around and got Event Insurance for them. It covers the liability any place any time. I can take them to shows or on rides any time. I also got inland marine coverage to pay for the tractor if damaged. It will cover the tractors that I have listed at any time and for any damage. If they come off the trailer, roll away, burn, or from vandels they are coverd. It is the same type of insurance a tractor club would have. It is just a little over $200 per year for the event insurance and the Inland Marine is based on the value of each tractor. One thing you need to make sure is the insurance co. knows exactly what you are doing with them or you might find that they will not cover you because you were doing something they didn't know about. That could be a tough lesson. I was told a lot of things that didn't check out. I understand that farmers can get different coverage that I was not able to get because I don't farm. Good luck and let us know what you were able to get.

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