Where to get tractor insurance

What kind of coverage are you looking for?

Theft/loss/damage may be covered under a rider on your homeowners policy. Not sure this would cover you if you use it commercially though.

If you’re looking for liability type coverage or something else, I’m not sure. I have a tractor as well but don’t carry insurance on it, so curious what benefit it has.

Why would SF drop the tractor policy? If it’s truly and independent policy, it shouldn’t get dropped. The price may increase if it’s getting a multi line discount though.

find a good local independent agent.

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What kind of coverage are you looking for?

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Theft, fire, basically so that if it got stolen or burned up that my $20k investment isn't gone. I don't use it commercially or even take it off my property.

I checked with USAA today and it is covered under personal items on my homeowners, but only for $3k and thats non negotiable.

USAA directed me to Travelers insurance, who were going to write my policy until they found out I was in Louisiana.



Farm Bureau also told me they wouldn't write a tractor policy without something else covered, as another poster said.

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Theft, fire, basically so that if it got stolen or burned up that my $20k investment isn't gone. I don't use it commercially or even take it off my property.

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In Georgia, this would be covered on your Georgia home insurance policy (just like a lawnmower or Gator that only is used to service your yard... assuming you aren't a commercial farmer).

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I checked with USAA today and it is covered under personal items on my homeowners, but only for $3k and thats non negotiable.

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Is this specific to a tractor or your policy?

$3k for personal items, like “Personal Property”? Or is it a special rider?

I have Farm Bureau for a 38hp John Deere with 3 implements
$136 a year for 30k coverage.

They also carry the insurance on my camp

Have you called your homeowners insurance company?

Service vehicles are automatically covered on most policies.
In Georgia, most policies do not have specific caps on those vehicles.
It is part of your personal property and subject to your deductible.

If you do anything commercial with the tractor (use it for commercial farming or use it at your neighbors for a case of beer), that would void the coverage on your homeowners policy, typically.

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I tried them but they said I'd have to switch my homeowner's to them too, which I don't want to do.

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I have my UTVs with Progressive. At the time everything I had insured was with Progressive but the agent that I had, did not write that kind of policy. So, she referred me to another Progressive agency that did write such policies. Been with them for probably 15 years. But, I think you have to find the certain kind of independent that writes for Progressive. Good luck!