In Iowa I use IMT with a seperate policy for my tractors. I insure 2 tractors plus have liability coverage for less than $100 a year. They let me pick my replacement dollar amount, but you pay something like $1 per year for every $100 insured.
Also I see a few mention their homeowners insurance has them covered, but I too am a city dweller and don't farm and my homeowners will have nothing to do with my tractors so I have to carry the extra insurance. I would double check with your agent if you think you are covered by your homeowners exclusivly.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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