Compact Tractor Insurance

Compact Tractor Insurance Done Right.

Protect your tractor like you’d protect your truck.

Because let’s be honest—if something happens to that tractor, you’re not walking into the dealership and buying another one tomorrow.

Whether it’s a John Deere, Kubota, Mahindra, or your grandpa’s vintage rig, we help people all over the country insure their compact tractors the right way.

Why You Actually Need Compact Tractor Insurance

A lot of folks assume their homeowners policy automatically covers their tractor. But here's the truth:
It usually doesn’t. Not once you drive it off your property, and not if you’re using it for anything business-related.

That $30,000+ machine needs its own coverage if you want real peace of mind.

Who’s This For?

This coverage is designed for:

• Landowners & hobby farmers who use their compact tractor on their property.

• People who haul tractors to multiple properties or job sites.

• Small business owners like landscapers or dirt contractors using it for work.

• Folks with financed equipment who need proper protection to satisfy lender requirements.

Real Questions We Get All the Time

Q: Doesn’t my homeowners insurance cover my tractor?
A: Maybe, but probably not once you take it off your land—or if it’s used for anything business-related. Most policies limit or exclude this kind of use.

Q: What about my bucket, loader, brush hog, or auger?
A: Yep, we can include those too. If it’s bolted or attached to the tractor, we’ll talk about coverage options.

Q: I don’t use my tractor commercially. Do I still need insurance?
A: If it leaves your property, gets hauled on a trailer, or you simply want coverage in case of fire, theft, or vandalism, you’ll want a standalone policy.

Q: Can I drive it on the road?
A: That depends on your state’s laws. Some places require registration, some don’t. We’ll walk you through it.

Q: Is this just for new tractors?
A: Nope. New, used, antique, or just “well-loved,” we’ll find a way to get it covered.

Q: What about business use?
A: We can absolutely cover tractors used in business—just let us know what you’re using it for.

Q: What if I rent or borrow one?
A: We can help you set up policies that offer liability and physical damage coverage for rented or borrowed tractors too.

What Makes Us Different

We’re an independent agency, which means we’re not tied to just one insurance company. We’ll shop your quote with multiple trusted carriers and find coverage that actually fits you—not some generic one-size-fits-all package.

And when you call us, you get a real person. No call centers. No runaround. Just helpful advice from people who know what PTO and 3-point hitch mean.

Let’s Get You Covered

Getting a quote is fast and easy. Hit the button below and tell us a little about your tractor—we’ll take it from there.