Posted by Errin OH on October 27, 2011 at 17:02:12 from (71.79.146.170):
In Reply to: Tractor insurance posted by Albo5000 on October 27, 2011 at 16:43:16:
It is going to depend on what you mean by "using locally" and you’re going to have to talk to your insurance co to find out. Most homeowner policies will cover it if it is being used as a "lawn mower" at the time of loss. Just driving down the road, no coverage. Mine is covered no matter what I am doing with it under a farm policy. And do not skimp on the details with the insurance co. If you tell them just mowing grass and have an accident pulling a hay wagon ride (free or fee) they may not cover you.
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