Tractor Insurance Experience

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   Anyone have any experience with either J.C. Taylor or Hagerty Insurance on an antique tractor?  Discovered that my homeowners will not cover my tractors but that the cost is very reasonable for a show/parade only tractor.  $8,000 comprehensive, $50,000 uninsured motorist, and $100,000 liability for $92/yr. from Taylor.  $8,000 comprehensive, $500,000 liability, $500,000 uninsured and underinsured motorist, and $1,000 medical for $144/year from Hagerty.  

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Freewheelin Members Profile Send Private Message Find Members Posts Add to Buddy List Silver Level Joined: 29 Sep 2009 Points: 60	Post Options Post Reply Quote Freewheelin Report Post Thanks(0) Quote Reply Topic: Tractor Insurance Experience Posted: 02 Jul 2015 at 4:45pm
	Anyone have any experience with either J.C. Taylor or Hagerty Insurance on an antique tractor? Discovered that my homeowners will not cover my tractors but that the cost is very reasonable for a show/parade only tractor. $8,000 comprehensive, $50,000 uninsured motorist, and $100,000 liability for $92/yr. from Taylor. $8,000 comprehensive, $500,000 liability, $500,000 uninsured and underinsured motorist, and $1,000 medical for $144/year from Hagerty.

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Dennis J OPKs Members Profile Send Private Message Find Members Posts Add to Buddy List Orange Level Joined: 12 Sep 2009 Location: Overland Park, Points: 529	Post Options Post Reply Quote Dennis J OPKs Report Post Thanks(0) Quote Reply Posted: 02 Jul 2015 at 5:01pm
	Have used Hagerty for the past several years on a WD 45 stated amount (what I paid for it--not worth that now). $100 min. prem. a year. Can't say how they would be on a claim because I haven't had one. Mine never gets on the road. Stored in a shed in summer and in a building in winter. Believe they require a photo, mine isn't restored, a work in progress but will be kept original.

SHAMELESS Members Profile Send Private Message Find Members Posts Add to Buddy List Orange Level Joined: 13 Sep 2009 Location: EAST NE Points: 29486	Post Options Post Reply Quote SHAMELESS Report Post Thanks(0) Quote Reply Posted: 02 Jul 2015 at 5:23pm
	none of my tractors or combines are insured until fall, just isure them for about 2 months during harvest season. the company used then is buckeye. they cover everything, plus ingestion of any objects into your combine. a couple years ago when my combine sucked in a concrete chunk doing beans...it destroyed most everything inside the machine. insurance totaled the combine, and also bought me another like I had, I was also able to keep the junk combine for parts. and at harvest time I do run my tractors on the roadways, but have never had any claims on them.

jaybmiller Members Profile Send Private Message Find Members Posts Add to Buddy List Orange Level Access Joined: 12 Sep 2009 Location: Greensville,Ont Points: 24697	Post Options Post Reply Quote jaybmiller Report Post Thanks(0) Quote Reply Posted: 02 Jul 2015 at 5:32pm
	OUCH, concrete ??!!! Gotta ask just HOW did that happen ? After all didn't it come up when plowing/tilling the field ? Jay
	3 D-14s,A-C forklift, B-112 Kubota BX23S lil' TOOT( The Other Orange Tractor) Never burn your bridges, unless you can walk on water

SHAMELESS Members Profile Send Private Message Find Members Posts Add to Buddy List Orange Level Joined: 13 Sep 2009 Location: EAST NE Points: 29486	Post Options Post Reply Quote SHAMELESS Report Post Thanks(0) Quote Reply Posted: 02 Jul 2015 at 6:05pm
	Jay...the site was an old farm place...i'd planted corn it that spot for 10 years because of all the the concrete chunks keep coming up! just when I thought I had them all picked up...WAMMY! I just didn't see it in time and couldn't get everything shut down fast nuff! man...it took out bouts everything inside that machine! so now I can still use belts and the engine is still real good on it in case I lose one! plus the hydro...ect.