tractor insurance

[Phlash in OK]

Do you know an insurance co that offers libality coverage for tractors at shows, parades, hayrides etc? My homeowners covers me on my property only?

 

[old-9]

Ask about a rider on homeowners , I have one tractor on my policy and a balloon libality for everything. They also cover my golf cart at shows. joe

 

[RCP]

Try Hagerty insurance, they were less expensive than a rider for me and better coverage.

Rich

 

[RND]

There are three companies that insure antique and collectable automobiles. I know they provide liability insurance on autos. I know they provide insurance on all sort of collectables. There is a good chance they provide liability insurance on collectables. I use American Collectors, they seemed fine, but I have never had a claim. Their liability insurance only goes as high as $500000.
http://www.americancollectors.com/
http://www.hagerty.com/
http://www.grundy.com/

 

[1970-1655]

A few years ago, I talked with my insurance agent about getting coverage for a tractor drive and show. They wrote a policy for Hagerty and submitted it with my payment. I drove 25 miles to the show, 5 mile loop on the tractor drive, and 25 miles home. Then on Monday, I get a call from the agent that Hagerty denied the coverage because it is for a tractor, not a classic car. I got my money back.

Make absolutely sure the company accepts the policy before the date you need the coverage so if denied, you can search around more.

 

[ASG]

Talk to your agent about a personal articles policy; it is a seperate policy that covers personal belongings such as jewelry, guns, tools, etc. (this will cover the tractor only, homeowners coverage should cover any liability). A show tractor is considered a
"personal item", you just have to list it on the policy. It's a good idea to carry them on the personal articles policy instead of homeowners in case of a claim (best to save homeowners insurance for the home).

 

[ASG]

Note that a personal articles policy is a stand alone, not a rider on your homeowners.

 

[oleclint]

Hagerty has been very good to deal with for us. We have all of our tractors insured with them. clint