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Wood vs Coal
Just thought I'd toss in my experience with insurance, vs. woodstoves, etc. After having been with the same insurance carrier for 30 plus years they seem to have lost intrest in insuring farm or rural property by lettinng their service to the customer slip to nearly nothing, so we went shopping for another carrier. We found a general agent who can write for four companies who specialize in farm and rural coverage. these questions were asked by all the carriers he writes for. First is about the woodstove, none would refuse to cover, but the premium wsa higher, second at a rural rental house we rent out the tennants had a trampoline in the yard, none of them would even write a policy till the trampoline went away, third was ponds or swimming pools, all would write a policy if the pond or pool were fenced and supervised, but the rates were thru the roof. We did'nt have a woodstove, the trampoline did go away, and luckily we have neither a pond or pool, so we basicly had our pick of which carrier we liked best. This is in the upper midweat, maybe other parts of the country or other states have different insurance laws. Just my two cents worth. Frank.
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Wood vs Coal
Grinder; Subject, insurance/ woodstoves. Not one of the four carriers asked about dogs, but I'll bet that will become an issue here too. seems like every so often there is a news story about someones dog attacking a child. Back in the fiftys every small town grain elevator and lumber yard had several grades of coal on hand. There still may be some, but I've not seen a coal pile in years. Along with the bigger citys, most small towns now have natural gas, or if your farm is along the road where the gas main goes by you can hook up. I'm only guessing, but I'd say probably 80 percent of rural homes use LP and the rest are oil or wood. I haven't paid attention to LP prices lately, but we prepaid .89 before Sept. first for this winters supply. I remember our grade school had a big coal/steam heating system that burned stoker coal. When I was in the lower grades the janitor gave me a tour, ( no OSHA in those days ), of how the coal truck dumped the coal down a big chute into a bin that was probably 20 ft. square then an auger fed the furnace from the bin, I thought that was pretty neat. Frank.
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Wood vs Coal
Blizzard, yes .89 plus 5% state sales tax is the correct figure, I just dug out the reciept to be sure I was right. I really don't know what it's going for right now but I doubt it's over a dollar otherwise it would be a prime coffee shop topic. Frank.
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02-21-2004, 19:51 
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