I insure mine with Kentucky Farm Bureau as listed property on my farmowners policy. Premium runs about 6.00 per thousand of coverage. They let me insure for the amount I specify. In the past, when I have had total loss claims they have asked for some substantiation as to the value. I found 3 listed for sale when I had those claims. Typically mine was insured for at or slightly more than the highest listed one but I justified to the adjuster why. Such as new paint, recent engine overhaul, new tires, etc. Never had a problem but the insured value wasnt totally out of line with actual.
If you want 'way more' coverage than what is defendable such as an all orgional fully restored 8N Ford that you had invested 10,000 in and the highest advertised price for any 8N is 4500 then you may need to go with an underwriter like Lloyds of London. I've been 'associating' with one of their former adjusters for a few weeks and have learned a lot about how things are underwritten. They would write a policy on your tractor for replacement cost, but the cost is a lot more than 6.00 per thousand.
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