Did you have a living agent or was it through the mail or on-line? I have a friend that is an agent and his clients register each valuable (rings etc.) and list it on their policy. How else would the company know what they are insuring and how much to charge you for each listed item? Your agent should have explained the process and put a rider on the policy to reflect your special valuables. On my farm policy, I was not covered by insurance when wind blew down and destroyed an auger because it was not listed separately on my policy. I learned to list separately anything I wanted covered and my premium is calculated on the total dollar amount of the listed items. It was also suggested that I photograph valuable items and if possible, keep sales receipts of recent expensive purchases. In a claim situation, the burden of proof of loss is on the insured. I have learned two things: insurance companies are in business to make money, and life is full of learning experiences. Better luck with your next policy! Jerry
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Today's Featured Article - Grain Threshing in the Early 40's - by Jerry D. Coleman. How many of you can sit there and say that you have plowed with a mule? Well I would say not many, but maybe a few. This story is about the day my Grandfather Brown (true name) decided along with my parents to purchase a new Ford tractor. It wasn't really new except to us. The year was about 1967 and my father found a good used Ford 601 tractor to use on the farm instead of "Bob", our old mule. Now my grandfather had had this mule since the mid 40's and he was getting some age on him. S
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