TAKING TIME by Rebecca Escott Extension Home Economist Avoiding Insurance Policy Surprises The snow and cold weather continue to drag on as I type this column, and with the record breaking weather comes some re cord-breaking insurance claims. People across the state are con tacting their agents for financial assistance as they repair structure damage to properties. But no all the phone calls have resulted in good news. Some people have been unpleasantly surprised. We each need to look critically at the coverage our current insur ance policies provide and explore options so that we have the cover age we need without paying mon ey for coverage that is not of value to us. During the last few months I explored our family’s coverage. I found out that plumbing work to AGCO ALLIS 6600 SERIES TRACTORS TheAGCO, tors are engineered control In addition to a comfortable cab or a plat form and ROPS, you get low maintenance, low operating costs and a 4-year/4,000-hour warranty. • Trouble-free, air- and oil-cooled engine. The 6600 Series tractors are equipped with low maintenance, 4-cylinder, air- and oil-cooled diesel engines. The 6670 provides 63 PTO hp and the 6680 73 PTO hp, both with 22% torque rise. The 6690 has a turbocharged 81 PTO hp engine that delivers a 28% torque rise, as well as die best fuel economy in its class. • Many speed choices. The synchropower trans mission with a separate synchro-reverser offers 12 forward and 12 reverse speeds, planetary final drive and a selfadjusting, hydraulically-actuated clutch. An optional creeper transmission pro vides 16 forward and 16 reverse speeds; a dual speed option has 24 forward and 12 reverse and a power Hi-Lo transmission provides 30 forward and 30 reverse speeds. All tractor models are , available as either 2WD or AWD. SEE YOUR DEALER TODAY! MANOR MOTORS On Rts. 553 Penn Run, Ps. 15765 412-254-4753 HERNLEY’S FARM EQUIP., INC. Elizabethtown, Pa. 717-867-8167 fix frozen pipes was not covered by my company. Damage to sur rounding furnishings, flooring and walls was included but not the hardware itself. Other people learned about ranges of coverage through mis fortune as well. Some discovered that although residences may be covered for damage received from excessive snow load, other out buildings may not be included. For farmers, the financial value of those outbuildings and their con tents is great Policy riders may be an option, but agents won’t write a policy until all the snow has melt ed from the roof. Organizations and families that own buildings and pay regularly on policies must stay in touch with the coverage that they have. Ac cording to Bottom Line research OPERATOR IA: lAQCOi For the way you Jam today SANDY LAKE IMPLEMENT B.H.M. FARM EQUIP., Sandy Lake, Pa. INC. 412-376-2469 Annville, Pa. 717-867-2211 NICHOLS FARM EQUIP. Bloomeburg, Pa. 717-784-7731 B. EQUIP., INC. Waynesboro, Ps. 717-762-3193 /. The indepen -1,000 rpm with 6- and 21-spline shafts and has a hydraulically actuated wet PTO clutch. The Category n/I 3-point hitch has a convenient rear remote control and is equipped with telescopic stabilizers. Optional telescopic lower links are also available. • Quality performance and comfort. The 6600 Series tractors ride on premium Goodyear" radial tires. They have hydrostatic power steering, a tilt-telescopic steering wheel, hydraulically-actuated wet disc brakes and a mechanically-actuated differential lock. AWD models have four-wheel brakes for 40% better braking and an operator controlled front differ ential lock for tighter turns. All operated from the comfort of the enclosed cab. To experience the user-friendliness of the 6600 SeriesJractors, or any of the “orange* line ofAGCO Allis tractors ranging from 40 to 128 FTO hp, stop by or call us soon. SSE& GRUMELU FARM SERVICE QuariyvlDa, Pa. 717-716-7318 ers, 90 percent of people don’t have the proper coverage. They estimate 70 percent have too much coverage. Others are underinsured or are insured for the wrong things. Each family should review its coverage annually. For some that may mean taking time to lo cate the actual policy, first. By carefully reading the fine print and asking direct questions of then agents. families can avoid surpris es and manage their risks more ef fectively. Probe for the excep tions. Begin by asking questions like: • What exclusions or limita tions doqs this policy have? (Ex ample; Homeowners policies may exclude earthquake, flood or mud slide damage. Artwork or jewelry may be excluded.) Endorsements may be an option for protection in these areas. • Have we adjusted our level of coverage to keep up with infla tion? • Do you reimburse for the re placement value of belongings, appliances and equipment aor ac tual value of current items? • Is my detached garage protect ed in the same way as my home? What about other outbuildings? • Is an open-sided storage build ing protected any differently than an enclosed one? HOLTRY’S EQUIPMENT Roxbuiy, Pa. 717-532-7261 CJ. WONSIOLER BROS. Quakartown, Pa. 215-536-7523 Naw Tripoli, Pa. 215-767-7611 Way, Pa. 215-9474257 • Is damage to landscaping cov ered? It is critical to keep an updated inventory for your household arid other buildings. Video recordings may make this task more manage able. Keep receipts for major pur chases in a fire safe box or safe de posit box. Don’t forget to include closets and garages in your inven tory work. Replacing business plothes, children’s toys and sports equipment can be expensive. , Secondly, most homeowners should work toward a level of in surance that is at least 80 percent of the replacement cost of die resi dence. Otherwise partial losses to certain rooms or areas may not be covered fully. Don’t forget to shop 1 |T| HAPPENINGS || Q I I card collecting, cake decorating, ■ ■ I I ceramics, cooking, cross-stitch, entomology, first aid, plants, pets, poultry, rabbits, rocketry, sewing, small engines, vegetable garden ing, vet science, and woodwork ing. 1 North Mountain 4-H Community Club A new 4-H community club has formed in the North Annville. Ono, Waterworks, Bellegrove area. Meetings ate held the last Mon day night of each month at the Waterworks Fireball of of Thomp son Avenue. 4-H is the largest growing youth program in the world. This program is free to boys and girls ages 8-19. It teaches leadership, responsibility, and self-esteem through many hands-on projects, such as air rifle safety, baseball Generously sized. We pay shipping costs. Sizes 7-13 including A sizes, Dark brown with black sole. STYLE 6 Inch D. EE. EEE $74.95 D. EE. EEE $76.95 9 Inch 9" Steel Toe D. EE Onl' 8” Insulated. EE. EEE W# ship In 24 hours. Wo pay shipping NY Add 7% Tax -1-800-533-1675 Grand Total CUSTOMER ADDRESS TOWN STATE ZIP VISA Phon* ordw» »hlpp«d mm d«y Ma«frc«rd W-R SUPPLY CO. Lake Crain# Rd. Box 310 Ear (villa, N.Y. 13332 :1"80Q"533-1675- Lancaster Farming, Saturday, March 12, 1994-819 PRICE SIZE TOTAL WIDTH >78.95 11.95 around when evaluating insurance options. This can be a way for families to save money while im proving coverage. Families should select insurance that will protect them against possible unknown circumstances that would bring significant loss, not against pre dictable future events that you can budget for. The examples given related to property insurance can be modi fied and appllied to inquiries about life insurance, health insur ance or auto insurance. By taking the time to probe and ask specific questions, you can protect your family and your farm business from many unpredictable losses without spending a fortune. At the Monday, Feb. 28 meet ing, 35 members were present Games and mixers were enjoyed by everyone 20 minutes before the meeting began. The meeting was called to older by president Jesse Wenmger. Secretary’s report was read and roll call was taken. Under old business, insurance forms were explained. Anyone interested in being a leader or a member, call DAle and Fran Bushong, (717) 865-6270.
Significant historical Pennsylvania newspapers