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["tanis cuff" <tanistanis@hotmail.com>]

At what scale is it more cost-effective to buy business insurance instead?


----Original Message Follows----
From: Jim Fruth >
To: <nafex>
Subject: [NAFEX] Getting Home Owners Insurance
Date: Thu, 06 Oct 2005 08:41:48 -0500

   When applying for home Owners Insurance, don't make the mistake I made.
Yes, I told them about the orchard and that we let outsiders in for U-Pick.
Nothing fazed the underwriters until I called my 1.5 acres a "farm."  Now, I
have to pay an additional premium in case someone gets hurt with the tractor
I don't have, never will have and don't have room for.  "Farms and tractors
go together," he thought, and wrote it into the policy.  I didn't argue for
very long because the other insurance companies refused me altogether
because I burn wood to fire my maple syrup evaporator.
--

Jim Fruth
Brambleberry Farm
Pequot Lakes, MN
www.bberryfarm.com