Agree with others and to shop around. I am about ready to do the same. A few years ago I was being held captive by American Family agent and that agent told me I had to keep a "farm and ranch" policy which at the time insured me for liability claims I would never use.......such as farm employees, someone entering my property and getting injured, etc. At first I bought into the story that I somehow needed that coverage, until an agent asked my how it would possibly be my fault if someone entered my property without my permission and was injured, or how a farm employee could file a claim if I never hire anyone. I now have a regular homeowner policy and it saves me quite a bit. The agent actually stated that if someone did enter the property and was injured they would help fight the claim in court if necessary. Somehow that does not make me feel all that comfortable, so I do not allow hunting or trespassing (for several reasons). I do know that if I tried to insure against every possible scenario, I could not afford the insurance, so I only insure against the most common or likely risks
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Today's Featured Article - A Question for Dads This recent topic from the Tractor Talk discussion board is being highlighted because it is an awesome display of the caliber of individuals that have made this site their own. The young person asking questions received positive feedback and advice from total strangers who "told it like it is" with the care many reserve for their own kids. The advice is timeless... so although it isn't necessarily antique tractor related, it will be prominently displayed in our archives to honor those who have the courage to ask and those who have the courage to respond in an honest, positive manner.
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