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You will need your home owners insurance. That is the only insurance you will need because if something happens it is on your property and you will be covered under your home owners policy.

When you rent a backhoe there will be an additional charge for insurance. You can either pay the charge or not, but you have to be careful as to what liability you're assuming when you sign the rental agreement.

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Q: What sort of insurance coverage is required when you rent a backhoe for home landscaping?
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