Do we have the right insurance for our tractor?

Steve from Country Financial visits the Tractor Time with Tim homestead to bring us our new insurance policies. We were frustrated with our insurance, not knowing if we were properly covered for our tractor business. Steve is a old high school friend of TTWT who also is an insurance agent who could answer all our questions.
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[@steventhomson2042]

Lots of great comments. I will be happy to respond to all questions when submitted through the link. tractortimewithtim.com/insurance . All questions are welcomed and will be responded too. Thank you Tim and Christy and all viewers!

[@thomasdesmond2248]

What a great Job Steve did. It's nice to have someone you are comfortable with and can trust. God bless

[@larrycainjr]

This was a great video, Tim! Very informative. I disagree completely with the comment that this was one long commercial. That’s just not true. I know a little bit about commercial coverages and this video did a very good job of opening peoples eyes to the potential need for better coverage. Thanks for pulling it together.

[@JerichoRally]

So timely! I am working on establishing a business in property improvement and this video had a lot of great content! Thank you for doing this!

[@nealtubbs9608]

Very informative Tim and Christy! I'm glad you took the time to cover this. It makes you think and I'm going to ask a couple of questions that came to mind on your website.

[@kenlitherland6065]

Great video. The information was right on knowing the different policies for home, auto, tractors and commercial. It’s always wonderful to have an agent that really knows what your talking about.

[@kenlitherland6065]

I’m looking forward to the questions to Steve to see what others come up with.

[@TractorTimewithTim]

I would encourage folks to leave your questions at tractortimewithtim.com/insurance It doesn't cost you anything, and Steve's deep knowledge of insurance is readily available to you!

[@JeepinMaxx]

Great video & great topic! I found it very informative. My wife assumed the tractor would be covered under our home owners insurance, but I help out neighbors with it too...

[@tomwitherow7770]

Very good video Tim I enjoyed listening to this one Steve was very informative I'm sure there's going to be a lot of questions out there thumbs up on this one

[@jerrysalgat3406]

Fantastic information. Loved this video. Learned a lot. Thank you very much and God bless!

[@possumfarms]

Tim and Christie, Thanks for posting this - very informative! We have had to cycle through several different insurance companies with our little farmlet over the last 20 years... Mostly because they don't know nor understand what they are covering! One company, one year after being with them, came back at renewal time and said we needed to clean up our place, get rid of the tractors and implements in our parking lot next to the barn and move our "train cars" off the property and cut down all of our hedgerows so our neighbors could see if our house catches fire... First - it's a FARM, we will have tractors and implements! Second - the "train cars" are overseas shipping containers that will NOT burn as they are 1/4" steel we use for storage. Third - the whole reason we bought this place was the privacy offered by the hedgerows. Fourth - we built our home, barn and outbuildings out of NON combustible materials to mitigate fire risk. So why am I paying them for fire insurance for buildings that are impossible to burn?!? (The contents will but the buildings won't!) It's rather difficult to set steel and concrete on fire! One company actually had the gall to tell us we have too much equipment for them to cover for liability... Like a farm isn't supposed to have heavy equipment sitting around?!? One company told us we had to cut down our hedgerows before they would insure us for fires... What do they do for people who live in a forest? We have a new insurance company now and our agent was all over this in a heartbeat! She laughed at them over the phone when we did a conference call! "State farm" doesn't like to cover "farms"! Insurance is like a minefield. It pays to have a GOOD agent that knows farming! Luckily, we have a good agent... And YOU do too, evidently! Dealing with insurance companies are like dealing with the devil... Thanks for posting - people need to know this stuff!

[@justinsikes2221]

You two are doing a great job passing knowledge along. Insurance is a tough subject these days. Oh, nice fleet ya got there! I remember last year ya guys just had Casey and Johny, and were in the market for another.

[@dstorage2198]

Great vid you are always answering the questions we all ask ourselfs thanks

[@0re02bruh]

Not only tractor time with Tim but knowledge time with Tim and Christy I love that aerial view over the equipment and truck

[@TallTexasGMan]

Kinda reminded me of some of the memes of all the equipment laid out on the ground from fire trucks, ambulances, etc.

[@MichaelSmith-os1pp]

Great video! Answered questions I had. Thank you! Christy your hair looks really nice.

[@markgosser9578]

All very interesting, I myself was in business many years and I’m sure there was many times where my Liability insurance would not have covered.

[@pohbor5788]

Great video!!!! Insurance is one of those things, you really only need it, when you don't have it........

[@peterkober6758]

Tim Christi you are so right I was looking off property took a couple of weeks to find one my home owner does not cover when blowing snow across the road my mail is there but now am covered as long there is no charge my tractor is for my use or if helping some friends God Bless All PaK

[@janethouck9763]

Thank you

[@BradMyers]

Thanks for the info and the chance to post a question.

[@0re02bruh]

Good one coverage is very important to me and all concerned

[@d.a.ballou9740]

Very good video! I hope there will be more of this type of episode.

[@BBLandServices]

Thank you so much for this!!!

[@kenrichardson4144]

Great video! Thanks for sharing❗❗❗ 🙂🙂🙂 👍👍👍

[@zebmueller290]

This is a good video. Vary informative.

[@trevorpatt8294]

I own a company that installs fiber optic cables underground and switched to country a fees years back and couldn't be happier!

[@semco72057]

I learned something about insurance and glad that I am not doing commercial work.

[@Freecan67]

We got insurance on Johny and Cuby. Not Cheap, but worth it. Thanks for Sharing. God Bless From the Great White North!!!

[@chrisnash2154]

I really didn’t appreciate how many rigs you two have until I saw that aerial view! The thing is you didn’t have all your implements out there, which would have filled the driveway.

[@brosselot1]

Good information

[@gloriafrankland6477]

Loved the video!

[@TheVze23sqf]

Very interesting and lots of info to think about. 👍👍👍

[@C_J_81]

Great video!

[@Zurar]

A very informative and helpful video. I have my tractor insured, but I'm not entirely sure the extent of the coverage. I have "Full coverage" but I think that only is applicable to damage or loss of the tractor itself, and I'm not sure if it includes when it leaves my property, or not. I'll definitely be calling my insurance company to see to what extent it is covered.

[@josephsierra7295]

Good stuff! Thanks!

[@waltermattson5566]

Great video. Lots of information.

[@waltermattson5566]

Do you cover stupid was great too.

[@BrickyardPowerMan]

Your best episode so far Tim & Christy. Appreciate the open, candid discussion of real life situations involving equipment on and off one's own property.

[@bdp3502]

Love your channel but I have to admit I liked it a little better before it was so technical and more of a business. I’m also very happy for you guys that it’s gotten this big and successful so keep up the good work and I’ll still be here watching. Thank you

[@TractorTimewithTim]

Thanks for continuing to watch. We try to mix it up with lots of different topics and styles. It isn't easy to have 150 episodes per year without some breadth.

[@bdp3502]

Totally understand I was just being selfish for a second. I’ve learned a lot here and really appreciate it thanks for everything.

[@loulehnhoff2637]

Very good information

[@frankolbrot2923]

Tim I love that shot at 4:19 if only that flag was blowing a little!! Love my county companies agent.

[@maxclement1502]

Very cool drone shots of your equipment :)

[@PastorDavidFranklin]

Outstanding information!

[@allenelmore4570]

I'm in total agreement with Steve on the Ventrac and it's accessories! Loved this episode, I use Texas Farm Bureau, and know that they cover my house, land, mower and outbuildings as well as my auto policy, but don't know about hauling and such even though I have too many trailers to not have been more in depth in asking. Looks like I have a good bit of homework. I have a better idea of some of the things I need to ask about now though.

[@brucealvarez9263]

Out of college and out of debt before she pays her own insurance? Say Hi to Katriel, we miss seeing her. Extremely helpful info, THANKS!

[@fiorevitola880]

An Important issue about insurance home verses commercial. It is important!

[@OldAcres8690]

This was very informative. People who have or going to start a business needs to know this information. Thanks for sharing Tim. Do you feel like you have more coverage than you did before?

[@TractorTimewithTim]

We feel like we have the RIGHT coverage now. We are paying about the same money, but the coverage is much more 'tailored' to our business. Before, we THINK we were paying for insurance we didn't need, with gaps in areas where we NEED coverage. Make sense? Without Steve's help, I'm not sure how we could have closed those gaps.

[@OldAcres8690]

Awesome

[@MrNosajwhitey]

Awesome bloke that Steve

[@mikebreazeale2563]

You must have had state farm before. I had to get rid of them cause they couldn't even get to what I needed anymore. It also didn't help that rogers was in their adds either. Thanks for sharing...

[@TractorTimewithTim]

Nah. We were using an independent agent. The actual insurance provider might have been fine...but who knows?? We could not get a comfortable feeling, even after working with two different independent agents.

[@haddenunger1214]

Will you do a tour of all the tractors and attachments

[@bigjim5723]

Ha! ur cats are becoming movie stars'lol. the first one ran all around the snow plow when uns was in garage, and then at the end, that one is owning ur property as it never even moved when Vinney drove by. ha! i am responding with mr steve just this evening. i hope to do business with his company. must of been a higher reason u brought him to meet me--but thanks.

[@merrymanrc]

Aww the kitty trying to get in the video funny kitty

[@hsmith3844]

There is a kitten wandering around in the background.

[@kw900lkevin]

there should be 2 kittens around there

[@hsmith3844]

@@kw900lkevin My Cat is 17yrs old. I'm not looking towards that morning when she's not screaming at me for her 6 am treats.

[@russellpetrie119]

in the uk public liability insurance you have to tell your insurance what you do as for stolen equipment its virtualey impossible to get insurance and rural and machinery theft was up by 90 percent last year despite the security measures very few machines are recovered

[@BiffsEquipment]

Cute kittens Tim, they are so adventurous when young and once they get older all they wanna do is lay/eat/sleep 😂 ... then again you prolly already can’t wait for that stage haha

[@mountainviewturning5319]

Neat video

[@friendlybudgetremoval6040]

I had country. Had to switch because the agent wasn't good. So we went back to are old agent that switched company's. But country did take care of us when we had clams. Had house fire and they covered everything in house and rental house. Its definitely worth paying the extra for the extra coverage. But well worth it when your insurance dont give you bull over and clams was the best. 4 different clams over 8yrs ( cars/house ) and no bull over any of them.

[@steventhomson2042]

Friendly Budget Removal sorry you had a bad experience. Find a good agent you trust and you will feel you have good coverage for a fair premium.

[@TallTexasGMan]

This is great. I already know the answer but perhaps Steve could recommend some cooperative companies in other states. Since I am in Texas for example. AAA won't talk commercial policies.

[@steventhomson2042]

Eric G submit on link and I will see what I can do. Thanks!

[@curtwhite876]

Is it INsurance or is it inSURance? Is it greaze or is it grease?!? Stay tuned to TTWT to find out! ;) I really love the diversity of content on this channel.

[@TractorTimewithTim]

Ha, you'll learn the RIGHT way to pronounce things if you watch TTWT!

[@ERICMB24MF37U24F39]

What about when someone else sits on your tractor an something happens.... without he/ she is on the payroll?

[@bobpurs]

Good imdo

[@mattphillips4260]

cool beans you got the easy reach mower again i would love to get with someone that is good with building stuff and build something like that mower for tractors like the 1025 using a power unit ran off the pto on the back mounting on the 3 point hitch . that way you would have baldest for said mower out front even tho it had helper wheels like the ventrac unit. the 3 pt power unit would also run all the functions of moving the sickle bar also . this may be something that would never work do to parts just being to big for the size of tractors i want this to work on

[@TractorTimewithTim]

A cost effective 'power pack' would be a great option. Wish it existed!

[@mattphillips4260]

@@TractorTimewithTim yes but with the size of the oil tank and oil other stuff i am not sure if it would be doable need to do some studying to see what size pump it would take for what i want and go from there just dont have any clue how to figure this part out

[@mymorristribe]

Interesting. In my case, I'd just need some sort of policy to cover my tractor work at my home and maybe free work at a friends home. To summarize this video....tractor insurance ain't simple!

[@garysmith5526]

Tim/Steve I occasionally will plow a neighbors driveway for free or mow their lawn if their mower breaks. I understand that my homeowners insurance only covers me on my property. Can you get a rider for off property from your home owners policy or do you need to get a separate policy and what would that policy be called?

[@steventhomson2042]

Gary Smith please submit your question as it has great merit. Lots of good folks in your same situation.

[@grantdeisig1360]

My cat likes my 1025r too.

[@genedameier8746]

TTWT. Tractor videos or Cat videos? A little of both. (You need to get a Caterpillar Tractor and put Mary on it. Then you would have a cat on a Cat.) Also if you were working on a building with a tin roof in the summer time, and Mary got on the roof, you would have "A cat on a hot tin roof". :-)

[@kpbrennan01]

Hi Tim i see through out the video that your toys (attachments) are out on your property. Do you normally leave them out? If so are you concerned that they could be stolen?

[@TractorTimewithTim]

Not concerned. I have good insurance :-). Just kidding. We do what we have to do...like everyone else!

[@ericpowell335]

So is everything covered when you let a customer "test drive" your tractor on their property while you are doing a job for them?

[@TractorTimewithTim]

Yes.

[@Dale37]

Guess I am fine with the six inch rule.

[@darylskeens4451]

i don't care how much they say your cover for it all comes down to when it's time for them to write the check then you'll see how good they are that it from me they said it was covered then 5 yrs later after lawyers, court, and back and forth we still got the short end even after it was in black and white and they were so nice and caring when it was time to pay they said here's what we are going to give you ( take it of leave it ) and this was a big company .

[@TractorTimewithTim]

Maybe you should talk with Steve at Country Financial. My dad has had many many claims on this insurance over the last 50’years he has had it. No complaints at all about payouts!!!’

[@RJ-pb3gv]

fine print scammers con artists

[@jasone9]

WHAT???? You get paid for having all that fun... Man, some people have it all. Lol.

[@chevyphil3969]

Tim fyi do not show the bloopers to your insurance guy lol do they do pet insurance cause your cats were confused when they were just playing with the mouse lol

[@inthewoods5640]

If you want the truth about insurance policies ,call a personal injury attorney they know their policies way better than they do!

[@FUNNYBOY12375]

Me: Steve iam i coverd if i hit an animal Steve: what anamal Me: a fish Steve: no

[@FUNNYBOY12375]

Just kidding

[@jason-white]

Why do insurance companies have to make life so complicated? "I pay you to cover me....... COVER ME" All these different plans and fine print just piss me off.

[@steventhomson2042]

White Farms I understand your frustration. Ask questions of your agent and if you don’t feel comfortable, shop around. Your insurance is only as good as your agent.

[@mrbubetube]

this video shows a very interesting way of getting a tractor unstuck from the mud. kzbin.info/www/bejne/eZa3iZ2rgaygodE It looks like they used a wooden pole to "pole vault" the tires above the mud. Never saw that done before.

[@GizmoTucker]

Keep in mind ALL insurance companies are in business to make money.

[@TractorTimewithTim]

Sure. But if they provide value to us, it is worth it, right? Nothing wrong with a company making a profit.

[@ccswede]

If they didn’t make a profit they would not stay in business and your policy would be worthless. Stay on the right side of logic.

[@GizmoTucker]

@@TractorTimewithTim Sure. Some people (I believe most) are over insured or underinsured, you just NEED to find your needs in the vast mountain of information out there or worse, not out there.

[@t.s.tractorworkstrickland5828]

800000 😒😞😭😰😣

[@box15c22]

I watch this channel for tractors, not commercials. This was just 1 long commercial.

[@TractorTimewithTim]

Sorry you feel that way Keith. We get MANY questions about what insurance we have. Hundreds of questions in fact. Do you have insurance on your tractor? Are you covered in every situation you use it? Liability? How about transport? These are the types of questions we had, and we receive from viewers all the time. We simply don't have the time nor understanding to respond to every one of these questions. Not sure how we would tackle the issue short of an episode like this.

[@KristoferOlsson]

@@TractorTimewithTim If you disclose that the video is sponsored in the start people can deside if they want to watch it or not. Its not that hard to stop watching if you dont like the episode. Im from Sweden and this is nothing I have any use for. But I still thought it was interesting to see how insurance work in another country. Stay honest and disclose if its an Add/sponsor and you will have my support 100%.

[@bigjim5723]

@@TractorTimewithTim aww-u was all right in my opinion--it didn't bother me what ya said. u can't please everyone-right. lol

[@pohbor5788]

Keith Kraut - All you got out of this video, it being one long commercial?? Really?? You must be an overly intelligent guy when it comes to insurance and know everything already, or your not.

[@box15c22]

@@pohbor5788 you're not your