I wouldn't dream of being without property and casualty insurance. Self insurance is great if you don't have a catastrophe. I used to partially self insure, insurance was 'too high' until I had a rental house burn with 50,000 coverage (what I owed) when it would cost 135,000 to replace.
I'm pleased with Kentucky Farm Bureau, its a mutual insurance company. There are no stockholders needing a dividend. Our goal is to pay back 83 to 87 percent of premiums in claims with the 13 to 17 percent going to operations. Honestly, that's a tighter margin than I can run my business on.
My rule of thumb is, with a 1000 deductible I can self insure things worth less than 3000 dollars. Otherwise, its covered, from hay in the barn to my house to barns, tractors, and equipment. At least to the level I paid for it. A bit over 500,000 in property coverage with 300,000 liability runs a shade over 3500 per year. That's not counting vehicles, umbrella liability, or workers comp but I sleep at night.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
... [Read Article]
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