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 - Women and Tractors - Tractor Engine Repair - by Teri Burkholder. One of the great things about working on a tractor engine with your other half is that you know what he is thinking of at all times and can anticipate his every move and his next thought of what he will do. With Ben, anyway, I can tell! He'll be busy working and I�m handing him tools and he says, "give me that..." and I�ve already got it in his hand or "hand me that....."and I�ve got the portable light right where he needed it placed to see. "Run in the house and get me a...."as I open th
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