Tractor insurance??

[Jordan Selsor]

Guy down the road from my farm got his tractor and some implements stolen, just curious if an how you guys insure your equipment?

 

[j-bird]

Since all my stuff is where I live everything is covered under either the home owners or under the farm.

 

[ruskbucks]

I called state farm to get insurance on my tractor,implements, etc on my hunting property. They told me I didn't need it cause my property was covered anywhere in the world under my home owners insurance. A few years latter I was broken into and lost all my tools,hunting blind, heaters, etc. When I called to file a claim, I was shocked because my deductible was something like 1 0r 1 1/2 the value of my house. It didn't pay to even file a claim for the $1500 worth of items I had stolen.

 

[Bill]

I don't live there so my State Farm guy won't insure that stuff, only the house and barns.

I have a monitored alarm system, video cameras, and the lug nuts off a front tractor tire and 2, 4 wheeler tires always come home with me....meth heads r too lazy to bring lug nuts. Unless their girl and best bud are in on the caper.

 

[Jim Timber]

Mines covered under homeowners policy, but my policy will not be valid when there's a building on the property - it'll need it's own policy then. Cargo container is covered too.

 

[MoLandOwner]

We pay about $15 per $1,000 of value, per year, on the equipment we have in Missouri. Its in the form of a Rider on our Missouri Home Owners Insurance Policy. Have a $1,000 deductable.

 

[tooln]

Currently covered as it was required by the finance company.

 

[Jim Timber]

JD Financial just needed my insurance policy number and agent's name/number. Good to go!

 

[buckvelvet]

Guy down the road from my farm got his tractor and some implements stolen, just curious if an how you guys insure your equipment?

I work at an insurance agency in Michigan, personal items aren't expensive at all to insure.

 

[bwoods11]

We write insurance as an independent agency.

We represent several township mutuals. They specialize in farm insurance and hobby farm insurance.

Rates for tractors and farm equipment are around $3 to 4 per 1000.

Full coverage with $25 deductible glass and non depreciation of repairs.

 

[Jordan Selsor]

Thanks guys appreciate your comments

 

[buckvelvet]

We write insurance as an independent agency.

We represent several township mutuals. They specialize in farm insurance and hobby farm insurance.

Rates for tractors and farm equipment are around $3 to 4 per 1000.

Full coverage with $25 deductible glass and non depreciation of repairs.

You aren't one of those agents that like to compare size are you? :)

 

[bwoods11]

You aren't one of those agents that like to compare size are you? :)

I'm not sure I follow you?

 

[buckvelvet]

I'm not sure I follow you?

I was just teasing you since you were the next post after mine talking about insurance. 'oh you broke your leg, I broke both of mine.'

Just joking brother.

 

[bwoods11]

Sorry I didn't see that. In all honesty, there are guys that think there homeowners covers all tools and tractors and in many cases it does not. Riders or a separate farm policy will take care of it.

Guns also have limits on homeowners.

 

[buckvelvet]

Sorry I didn't see that. In all honesty, there are guys that think there homeowners covers all tools and tractors and in many cases it does not. Riders or a separate farm policy will take care of it.

Guns also have limits on homeowners.

Yep lots of things the general public wouldn't know unless we told 'em. I guess its like anything though, if your not in it, ya wouldn't know.

 

[foggy]

^ M Duffy.......is that you? (or, who left the door open? ;) )

 

[wiscwhip]

Don't even go there foggy! ;)I was just having this conversation with another forum member yesterday. Just say...No!

 

[bwoods11]

^ M Duffy.......is that you? (or, who left the door open? ;) )

Explain please...who are you comparing to Duffy??

If it's me I take offense, I'm not trying to sell anything, just give information. I don't need to solicit online.

 

[foggy]

Explain please...who are you comparing to Duffy??

If it's me I take offense, I'm not trying to sell anything, just give information. I don't need to solicit online.

Lighten up. Just having fun. Not pointed toward anyone in particular. Just seemed like something Duffy might have a hand in on a regular basis. No offense intended.....just trying to make a joke. Sorry.