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<blockquote data-quote="Anonymous" data-source="post: 17819"><p>Yes. We have a comprehensive Farm & Ranch Policy as well as a Equine Mortality and Major Medical policy. Our F&R policy covers our cattle, hay in the barn, and other options as well as basic liability, buildings & structures, etc.</p><p></p><p>Hopefully, I will never have to make a claim. In the event I do, the premiums I pay are small considering our coverage; and, a disaster could wipe us out (as it would anyone else) if we/they did not have insurance.</p><p></p><p>For example, complete coverage on a $10,000 horse is a great security blanket for $300 to 500 a year premium. In our case, for example, the $50 a year or so premium we pay on our hay insurance component speaks for itself.</p><p></p><p>Bottom line...if you are independently wealthy, forget the insurance. If you are like the vast majority of Americans, insurance is just that...a security blanket for a catastrophe.</p><p></p><p></p><p></p><p> <a href="mailto:bill@runningarrowlonghorns.com">bill@runningarrowlonghorns.com</a></p></blockquote><p></p>
[QUOTE="Anonymous, post: 17819"] Yes. We have a comprehensive Farm & Ranch Policy as well as a Equine Mortality and Major Medical policy. Our F&R policy covers our cattle, hay in the barn, and other options as well as basic liability, buildings & structures, etc. Hopefully, I will never have to make a claim. In the event I do, the premiums I pay are small considering our coverage; and, a disaster could wipe us out (as it would anyone else) if we/they did not have insurance. For example, complete coverage on a $10,000 horse is a great security blanket for $300 to 500 a year premium. In our case, for example, the $50 a year or so premium we pay on our hay insurance component speaks for itself. Bottom line...if you are independently wealthy, forget the insurance. If you are like the vast majority of Americans, insurance is just that...a security blanket for a catastrophe. [email=bill@runningarrowlonghorns.com]bill@runningarrowlonghorns.com[/email] [/QUOTE]
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