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Old 07-24-2020, 08:34 AM
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Join Date: Nov 2009
Location: Tarpon Springs, FL
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Originally Posted by autobaun70 View Post
In reading mine there is not a specific exclusion. One interesting one I ran across a while back in mine is there is an exclusion regarding farm tractors/trailers "while engaged in farming operations." Being that is a common thing for me, I inquired how they defined "farming operations." It was clarified that farmland used exclusively for recreational/personal purpose with no farming for revenue was covered. Any equipment used to generate revenue via farming would need specific coverage related to that activity.
I had to deal with that issue on our farm. It's technically zoned and taxed as a tree farm but all we do is recreational so since we couldn't declare we weren't growing trees for profit they said if an accident occurred we would have to prove it had nothing to do with growing trees. The other option was paying a good bit more. Everything we do reduces the number of trees and we won't be selling any timber.