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I suppose that would be great advice. Whether or not someone gets them added to their home policy, or a seperate policy on just the tractors, or whatever, probably would be a good thing to get them appraised. Sure would be bad to have what happened to you... Although yours wasn't a total loss, was a loss nonetheless. Thanks for the tip. Something else that might come into play, is if uses a "broker". Used to do that, once upon a time. They looked at what I had, and picked my "perfect" company for me. OK, I guess. Was ok for a couple of years, then one day got a policy and bill from a different company, and was DOUBLE the cost of the other. Hmm? I tossed it away, since I didn't contact them in the first place. Then got another from them, so called and asked what's the deal. They told me that my broker changed me to them. I called my broker and asked why they did that, and for DOUBLE. Straight up they told me the truth, and then lied. First told me that moved me into a more expensive company (I knew that), MetLife, because my other, Prudential, had been absorbed by them . Hmm? So I called Prudential, and they assured me hadn't been absorbed by MetLife or anyone else. Then I called the broker back and said, "Prudential is still in business, you lying ... merely moved me into a more expensive company to suppliment or offset your bad drivers you rotten ...". They offered to find me a cheaper deal, if I'd like. Hmm!?!? So, I did the right thing and went to a real insurance company, State Farm, and have been dealing with them directly, for less, for years now. The kicker? MetLife, whom I didn't contact in the first place, told me that I'd have to write them to cancel their policy, otherwise they'd have to cancel it themselves and show me as a "dropped" client, which would "put a blemish on my record" if I didn't. I told them to go pound sand, and wrote them nothing, not admitting to the existance of a policy that I didn't ask for or want in the first place. Get an appraisal, have a reputatable insurance company to deal with directly. Just my thoughts. Mark
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