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Edith from Houston, Texas calls the Dave Ramsey show seeking advice on a tractor purchase. She and her husband bought a $26,000 tractor with $2,000 for insurance through Kubota. When she tried to make the last payment, she was told she needed additional insurance. Dave clarifies that it is likely an extended warranty for repairs, not insurance for theft. It is best to check if their homeowners or farm operation insurance covers theft.