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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: May 11, 2022

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Do I Need to Insure My Tractor?

A tractor is a heavy piece of equipment and, in the event of an accident, can do heavy damage. It’s always a good idea to have insurance for a tractor to protect you and your family from costly repair bills.

What is insurance for tractors?

Tractor insurance helps pay for repairs if your tractor brakes down or when you’re involved in an accident. It can cover you if you’re found liable for damage to someone else’s property or personal injury.

A tractor is capable of doing a substantial amount of damage to both property and persons. Without insurance on your tractor you could end up paying thousands of dollars in repairs or hospital bills. Insurance can also protect you or your family member if you’re injured from falling off while operating the tractor, having a toe crushed, or worse.

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What type of insurance do I need to cover my tractor?

Loan companies will often require you to have insurance during the life of your tractor loan. Sometimes they’ll even include it in the loan itself as part of the deal. What they won’t tell you is that insurance often runs out once you’ve paid it off.

The most beneficial insurance policy to get would be comprehensive coverage, which is essentially full coverage on your tractor. This policy helps protect against things such as personal property damage and replacement cost coverage.

Your home insurance may cover your tractor as long as it’s on your property and being used for maintenance or farm use. Once you drive it off your property, you’re likely on your own, if you don’t get additional coverage. Some auto insurance companies will also cover your tractor when transporting it on a trailer attached to your vehicle.

Neither of these options are all-encompassing and they may not protect you in the event of theft. That’s why it’s important to consider purchasing tractor insurance. It’ll help you cover your bases and you’ll know you’re protected.

When you own a tractor and use it on a consistent basis, it’s important you have an insurance policy that will protect your tractor. Call a licensed agent today so he/she can help you find an insurance policy that gives you the coverage you need.

Whether you choose Allstate tractor insurance, farm tractor insurance from GEICO, or even a USAA tractor loan, be sure to ask the right questions. Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have.

Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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