I was all prepared in January to purchase my new 1025R after spending hours researching and reading hundreds of threads here to help me decide exactly what I wanted/needed. The one issue I did not envision having was insuring the tractor, which has put my purchase on hold until I can find a solution, which I'm hoping one of my Canadian brethren might be able to help with.
I live in Alberta, where my house is located. I recently bought 2.5 acres of raw land in B.C., the province next door. Our plan is to retire in 3 years and then build our house on this property and move. In the mean time, I wanted to buy the tractor and start doing some land work and keeping the grass cut down. Simple enough, or so I thought. In a lot of instances, these compact tractors are insured under a person's home owner's policy. As my home is in one province and the tractor will be stored and used in another province, my insurance company, as well as 3 or 4 others that I have checked with, won't extend insurance to another province. And B.C. insurance companies won't give me a home insurance policy because there is no home there yet. Hopefully this makes sense so far. Also, I can't get farm tractor insurance through any of these companies because I don't have a farming purpose or income. Also, there are insurance companies that specialize in these exact scenarios, insuring an "acreage" tractor, but they are all in Eastern Canada and can't help me out West.
So, I do have a couple of options that don't appeal to me - 1. Buy the tractor and don't insure it and keep my fingers crossed for 3 years until I build my house and can then get insurance. 2. Buy a Kubota because they offer their own insurance
My objections to my options - 1. I'm not that big of a risk taker to spend $27K and then hope nothing happens. 2. I am sure that the Kubota would do everything I wanted and is a very good tractor, there are a couple of things that I like better about JD and, in the end, JD is my personal preference
Does anyone have any suggestions or options for me to try so I can become a real live SCUT owner?