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Edith from Houston, Texas bought a tractor last March for $26,000, with $2,000 for insurance through Kubota. They are close to paying off their last debt but are unsure what to do as making the final payment would downgrade their insurance. They were told to get a second policy or insurance for repairs, not theft. Dave clarifies that it is an extended warranty for repairs, not insurance for theft, as theft would be covered by homeowners or farm insurance.