Sure, but if a home owner puts up a railing (which my house has) there is VERY little risk of a fall in the first place. Insurance companies play the "odds" of someone having an accident, and I play the same "odds" of someone NOT having an accident while saving my money.
I think we're going to see alot of insurance companies go belly-up with the coming depression,... in fact Brooke Corporation has closed up shop in my home town, and 200+ ex-employees are now looking for work.
Insurance companies thrive on the "fear of what might happen", while setting stipulations in their policies that greatly reduces the chance of any accident.
Insurance is all a game of "playing the odds" of having an accident, while reducing those very same odds in one's particular favor, and I've been doing it successfully for over 60 years (without insurance). :)
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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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