Tractor insurance

[4010 puller]

Hey guys, I’ve got a few tractors I’m wanting to insure. How are you guys doing it? These aren’t restored pieces but good condition working tractors. Two 4320 and a 4230. Homeowners isn’t wanting to do it

 

[Paul from MI]

Might have to go to a farm or estate policy to get coverage. See your agent. I did, not too expensive.

 

[BarnyardEngineering]

My parents' farm policy covered equipment. However, it cost more to insure the equipment than it was worth, so they did not have much covered, especially in the last few years because they were on a fixed income.

 

[Richard G.]

Hey guys, I’ve got a few tractors I’m wanting to insure. How are you guys doing it? These aren’t restored pieces but good condition working tractors. Two 4320 and a 4230. Homeowners isn’t wanting to do it

I have Auto Owners Insurance for the farm, 3 houses ,shops, car and truck, and one of my tractors.
I don't insure the older ones.
No problems with them.
My Model T is on Hagerty.

 

[JOCCO]

Country way and farm bureau insurance and it should be reasonable. Usually so much per $1000. Some regular insurance won't touch a tractor and if so very expensive. If you have and expensive implements put them on that policy too. I agree with Richard antique cars are another matter.

 

[urbancase]

I have Auto Owners Insurance for the farm, 3 houses ,shops, car and truck, and one of my tractors.
I don't insure the older ones.
No problems with them.
My Model T is on Hagerty.

Same here I have the same, however I backed off some. Rates keep going up so now the newer tractors and combine. The older tractors I took off just to keep rate down.

 

[Buckhammer]

I have Auto Owners Insurance for the farm, 3 houses ,shops, car and truck, and one of my tractors.
I don't insure the older ones.
No problems with them.
My Model T is on Hagerty.

Same here. Auto-Owners is pretty easy to work with.

 

[Texasmark]

I have Farmer's and they insure by the vehicle id plate....If you are worried, worth the little bit of extra cost. There is a clause in the policy that states they only pay a max of $2k for any item that isn't specifically identified........with applicable rate increase as one would expect.

 

[flying belgian]

Statefarm for me. They are on my farm policy.

 

[RCP]

Hagerty will insure tractors, they insure them for a set amount, no haggling on fair market value.

 

[560Dennis]

Ohio farm bureau advertisement in magazine is nationwide and progressive , check with local farm bureau for their recommendations. My thought

 

[Tony in SD]

Hey guys, I’ve got a few tractors I’m wanting to insure. How are you guys doing it? These aren’t restored pieces but good condition working tractors. Two 4320 and a 4230. Homeowners isn’t wanting to do itT

Time to look for a new insurance agent that will work for you, not just do what is easy for them. Besides, I have found that changing agents every so often gets you much better rates.

 

[Tim in New York]

Our home owners insurance covers ours. About 100$ a year for about 25K worth of equipment replacement value

 

[37 chief]

Hey guys, I’ve got a few tractors I’m wanting to insure. How are you guys doing it? These aren’t restored pieces but good condition working tractors. Two 4320 and a 4230. Homeowners isn’t wanting to do it

What kind of insurance do you have for your tractors?? I have insurance if I do property damage.
when mowing, I have $500 deductible I used one time when I broke a $1,500 factory window. I broke a car window last year. I just paid for it. Stan

 

[NoDakInMN]

I've got a policy through my agent for my old two cylinder JDs and added my 4630 a couple years later. Only costs about $300 a year. It's through Auto Owners and it's like a policy you would have on a boat or other property not covered by homeowners.

 

[trackrat]

Farm bureau has always worked for me

 

[Briar Hill Brittanys]

Farm Bureau has ours under the farm coverage.

 

[Texasmark]

Statefarm for me. They are on my farm policy.

I was with SF for decades and finally felt they outpaced themselves. Went to Farmers. Haven't looked back to see if that was a worthwhile change or just putting money in a different hand.

 

[JD Dave]

Farm Bureau ( Farm Family) will insure tractors for stated values. I did it and did not need appraisals.

 

[Geo-TH,In]

All my insurance is through Indiana Farmers. They sell a special insurance for tractors. Very reasonable.