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Insurance for own property

Discussion in 'Introduce Yourself to the Community' started by Plowmedic23, Sep 2, 2014.

  1. Plowmedic23

    Plowmedic23 Junior Member
    Messages: 20

    Hey. I'm only going to plow my own property this year. Do I require any thing other then my personal auto insurance? Thanks!
  2. dieselss

    dieselss PlowSite Fanatic
    Messages: 11,395

    If it's your own property you don't need anything
  3. mtnbktrek

    mtnbktrek Senior Member
    from NEPA
    Messages: 144

    Most definitely! I personally would rec a absolute min of a million I carry 3 mill but it depends on how lucky u feel. And if there is a claim I would hope you have invested in the correct equipment iv seen it happen time n time again, that is, refusal to pay a claim because the equipment is older than two years old - doesn't matter if u have a 3 yr old plow w a new edge! Best bet is to hire a guy n stay warm. Question is do ya feel lucky
  4. JustJeff

    JustJeff 2000 Club Member
    Messages: 2,481

    I completely disagree with mtnbktrek and agree with diesels. You don't need anything for your own property. Just make sure you're not doing your "friends or family members" as well, because those relationships can get ugly fast if you're not insured.
  5. 1olddogtwo

    1olddogtwo PlowSite Fanatic
    Messages: 12,174

    Huh? What? Again,what?......

    Plowsite should charge admission.
  6. mtnbktrek

    mtnbktrek Senior Member
    from NEPA
    Messages: 144

    Lol lil sarcasm on my previous post - I mean c'mon I see questions like this n I'm just like what?
  7. Ben/Insurance

    Ben/Insurance Sponsor
    Messages: 166

    Plow medic, check my sticky post for the answer. It's under the business management section.
  8. Whiffyspark

    Whiffyspark 2000 Club Member
    from SOMD
    Messages: 2,403

    The answer? He's on his own property.
  9. Banksy

    Banksy PlowSite Veteran
    Messages: 3,113

    Only if you want to make a claim against yourself if you should happen to damage your property.
  10. leolkfrm

    leolkfrm PlowSite.com Addict
    Messages: 1,980

    your own as personal use? or you own commercial that people can enter
  11. CurbKilla

    CurbKilla Junior Member
    Messages: 27

    If you don't pay the suits (the real mob). They will sick the other suits (the legalized extorsionests) on you. Or maybe your on to something. Buy a policy, plow everything down, then let them replace all your stuff with new. Then hire out your snow removal.