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 - Upgrading an Oliver Super 55 Electrical System - by Dennis Hawkins. My old Oliver Super 55 has been just sitting and rusting for several years now. I really hate to see a good tractor being treated that way, but not being able to start it without a 30 minute point filing ritual every time contributed to its demise. If it would just start when I turn the key, then I would use it more often. In addition to a bad case of old age, most of the tractor's original electrical system was simply too unreliable to keep. The main focus of this page is to show how I upgr
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