Jim the average American doesn't understand their policies. They get told that home owners insurance is part of their mortgage, get the policy in the mail and never look at it. Lot of us on there farm or own other businesses or are older people who have a better understanding of what needs to be covered and for how much. So what it boils down is a heck of a lot of people are underinsured. "We got our first home! Property taxes and insurance are part of our mortgage!"!!!!! And because the mortgage company was so good about helping them they don't realize that the company most likely went with the cheapest company they could for the insurance. And cheap insurance looks great to the insured because it isn't costing them much, that is until they have a loss. Then they find out that some items like guns or jewelry have a limit as to just how much they will cover. Value over that dollar amount they just have to eat unless they read their policy and purchase supplemental coverage.
And people are right. We don't know the story. Like the questions about the Salvation Army and Red Cross. There may not be anything local. But we don't know.
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Today's Featured Article - New Hitches For Your Old Tractor - by Chris Pratt. For this article, we are going to make the irrational and unlikely assumption that you purchased an older tractor that is in tip top shape and needs no immediate repairs other than an oil change and a good bath. To the newcomer planning to restore the machine, this means you have everything you need for the moment (something to sit in the shop and just look at for awhile while you read the books). To the newcomer that wants to get out and use the machine for field work, you may have already hit a major roadblock. That is the dreaded "proprietary hitch". With the exception of the
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