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Farm Tractor insurance

First-light

By First-light,
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First-light Grand Master

First-light

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So I had a fire a few years ago and thankfully was fully insured. So after talking to the adjuster he said to go higher on my home and barn/guest house. I did that and I suggest everyone review their own policy. I have ARC Actual replacement cost on my policy. They give you the present value of the loss. OK back to the tractor. I have an 1835M Massy value around 32k. I called my insurance company and asked if it was covered under home owner insurance. It was not. Anything over 25 HP is not covered. That is what I was told. Now I'm insuring it for fire or a malfunction and it burns in the field. Any thoughts on this, love to hear them.  $395/year.

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