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 12-20-2016, 07:46 Post: 24632
john hunter



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  re: homeowner insurance

Although I may have the proper insurance to cover my tractor and trailer, I was reminded (1) that I needed the proper truck tag on my vehicle. For the weight of the tractor, trailer, and truck, I needed a commerical tag for the correct load ($107.00). (2) My regular truck insurance (non business) may not cover my truck while pulling my load if I am involved in an accident on my way to cut my brother's grass. This would be consider a job for pay. "Is there an end to this".






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 12-20-2016, 12:40 Post: 24681
KlayW in MI



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  re: homeowner insurance

I too went through the insurance questions both prior to and after the purchase of a B2710 with FEL. The funniest part was the fact I just changed to an "estate" policy to cover a horse, loafing shed, fencing, liability related to the horse. I also asked about the tractor. On the estate policy if I used the tractor to mow, grade my drive, move heavy objects, clear brush, plow snow I WAS covered under the current policy as written. The funny part, get ready, if I used that same tractor to move horse manure from a pile to the garden I now needed a specific line item with a stated value for tractor coverage! $168 more per year to do "farm" related work. Further investigation lead to the discovery that since the electric fencer for the horse fence is inside my pole barn that it too needs a seperate line item and a stated value for coverage. $300(saved) later I too have the same letter that Donald has. I still Laughing out loud each time I think of that first agent qouting the policy to me.






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