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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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