t « —Lancaster Farming. Saturday, January 19, 1974 ' * 28 Farmers Advised to Review Their Insurance Policies By Jay W. Irwin Associate Co. Agent Farmers should review their insurance policies at least every three years, or more often if ownership of assets or farming operations are changed. There are two important questions farmers should ask themselves while reviewing their insurance. These are (1) Are the coverage limits listed in my I can big savings in my crystal boll .;,VV_ ONLY - > SIM M ■'^DOWN tiMHamriipiwii I /y Finoncing Available Come in. See the big, big savings that the Great Ski Whizard sees for yon! Right now we’re closing out the zingin’est Ski Whiz ever. Ski Whiz 73 at our lowest prices of the year. You’d never dream you could save so much on this smoother-riding, easier-handling sled with its sportier-than-ever good looks and 28 terrific improvements! You’ve got to see it to believe it. 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SPM #45-t«SO • In answering the question of when to insure, since insurance protects against financial losses, the general rule is to get insurance protection if you do not have enough financial assets to accept the risk of potential losses. For example, crop hail insurance is important if loans for fertilizer and farm operating expenses are to be repaid from the sale of the growing crop. Lending agencies may require in surance coverage on assets used as security for loans. You may choose to accept the risk of smaller losses yourself. But risks that in volve thousands of dollars, such as liability claims and complete fire losses, should be protected by insurance. Insurance purchases are a routine farm operating expense for most- farmers. A recent detailed cost analysis of dairy farms revealed that about two percent of all cash operating expenses was for business insurance. on Model 300 S 2l'i H.P. Plus Freight - No Trade Today, insurance con tracts covering farm business risks usually in clude separate policies for insurance policy at the time you buy them. Add coverage then if you need it; the value of inventory supplies and harvested crops may exceed the coverage stated in the policy, Many policies do not cover borrowed or leased equipment unless 'you request a separate en dorsement or rider for it. Unless separate en dorsements are added, farmers’ comprehensive liability policies usually do not cover non-farm business activities, such as sales of seed com and other “allied business” activities. Farm custom work also may not be covered. ;X ;|:| . Ida's • Notebook ' Our daughter flew home from Seattle and now has gone back. The snow we hoped for didn’t materialize until the day after she left. Then we had a winter .wonderland such as she doesn’t see on the Pacific coast. We had moved some furniture and she im mediately noticed the piano was gone and hurried from room to room until she found it. It is a joy to hear her play when she is home. January and February are my months to try and catch crop hail damage and automobiles and trucks. A “blanket” farm owner’s policy' covers accidental destruction of all other farm assets, as well as com prehensive liability coverage for risks related to the farm business. This blanket policy may be ex tended to cover the farm home and its contents. TRY A CLASSIFIED AD % Ida Risser $ up with household repain. The mending pile grows tall over the summer. XKA We hear a lot about tolerance these days of other races, colors and creeds. I know I do. Sometimes, I fed we really have come a long way in one generation. Nowadays, we accept others in our homes and even families. Our children are privileged in growing up with folks from varied backgrounds. Hopefully, it will be easier for them to understand other’s views, beliefs and practices Recently, I found some notes which were made many years ago as I leafed through a large and very old German dictionary. I copied words and their meanings when they were similar to Lancaster County family names. Here is a partial list: Stoltzfus-proud foot; Rink - sparkle, Geist - spirit; Gibble - mountain top; Roth fus - red foot; licbty - light; Watt • shallow; Hess - rabbit; Konig - king; Leib - loaf; Keller - cellar; Kaufmann - merchant; Rosenbergef - rose moun tain; Landis - land; Kreider - chalk; Reist - travel.
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