Simple question, but I'll splain the situation in case it helps someone else down the road.
We have a mobile home in a campground (FISHIN CAMP). Own the trailer , rent the "spot". I have insurance on the trailer with coverage for "personal effects" @ 10K.
We have 9 acres 1 mile from the Camp that we'll be retiring to. We currently live 200 mile from these properties.
I have a lot of work to do at the future homestead and would like to leave the tractor at the Camp rather than trailer it back and forth.
I have a 12x26 boat shed, full sides, open ends, that I'd keep the tractor under.
I called my insurance company to ask if the tractor would be covered in the event a 125' pine fell on the shed and crushed it, or someone decided they wanted my tractor more than me.
They said it would be covered up to the 10k personal effects, however, it would have to be used primarily for use on the property the trailer sits on.
So, it ain't gonna be covered.
My current homeowners only covers it while it's "home".
Looks like I'll have to source a separate policy solely on the tractor, or takes my chances.
What insurance company and what does anyone here pay for a separate policy on just your tractor.
Specifically a 2014 1025R.
I'll be calling a couple companies tomorrow and will report back what the damage would be.