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re: homeowner insurance
Dang, single quote in the subject line strikes again and I can't reply. This subject is one everybody should be clear on. My tractor is covered under my homeowner policy, but the terms are much more liberal than mentioned. I have coverage for theft and 3rd party liability while on our two properties and transportation in between. There is no coverage for damage to property or the tractor done by an operator. However, the tractor and implements are written on a special rider to the policy. I suspect the 20hp limit is for coverage under the general policy, and I'd be surprised if coverage for most any tractor couldn't be included in a special rider. I might go shopping for another insurer if I couldn’t cover my tractor and implements under my homeowner policy. Yes, it's a very good thing to be sure about.
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re: homeowner insurance
Something I've learned to never expect is a definite answer from an insurance company. I understand that there really are no definite answers, because the resolution to claims potentially is through the courts. Court case are 'judged' on the basis of their individual merits, so definite rules can't be stated. However, I also understand that doubt in the minds of customers may cause them to buy more insurance, which is of course what insurance companies sell.
I'd keep this insurance stuff in mind though. I got a reminder the other day. I've been blowing most of the drive for some neighbours who have some health problems. I almost hooked their clothesline with my canopy. Stuff can happen real easy, and I need reminders. Another reminder is never drive off your neighbour's drive without knowing where their septic system is. Even a heavy compact could collapse a leech-field tile. Also, don't dig without knowing where septic, well, phone, electrical and gas lines are. Actually, I'm aware that I'm completely responsible for all damages of these types whether on or off my property. Only contractor insurance covers this stuff, which is mostly why it's so expensive.
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