Here in Ohio it is called a enterprise unit when you insure everything in a section together . I insure the way you do Gary BUT the opportunity is available for lets say " less than honest " guys to farm the insurance Co . You can insure every farm separate and most guys do that here .They don't want to miss a chance to collect . Dave is right that some guy's set out to collect when they go to the field in the spring . A couple years ago a bank reposed several hundred acres . A BTO came in and rented it for 1 year . He got the seed corn from his grain bin . He used 6 ton of firt on it all , the rest he hauled home on ground he owned . He ran his sprayer over it with just water in it but had bought spray ( witch he hauled home for next year ) . The corn wasn't worth shelling and he got away with it . I used to think crop insurance was good but now I see it as a way for the bigger farmers to stay ahead . Example = Common practice here if for BTO's Joe Doe owns Hog Acres Farms Married to Jane Doe Son John Doe Crops are sold under Hog Acres , Joe Doe , Jane Doe and John Doe . If it is a good year when they turn yields in they inflate the yields . Say the corn made 130 they tell crop insurance that it made 163 . Same with the beans . That way when they do have a bad year they get more from the insurance co . to pay the high priced cash rent . First thing I ask when " how to play the insurance game " was explained to me was . What about when they audit your sales ? Answer , easy a copier and in about 15 minutes a Jane Doe becomes a Hog Acres sales slip . You only have to be with in 10 % . Landlords don't care that Hog Acres and the Doe family are liar's & crooks when they offer fifty bucks more an acre . I'm very sorry to say that this is more the rule than the exception with the Ground Hogs around here .
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Today's Featured Article - Chores - by Frank Young. The ceaseless passing of time! It is at once our friend and our enemy. It measures our progress and it makes us old. Like most features of our life, few things are all good or all bad, and most such judgments depend on our own perspective or viewpoint. In our particular hobby, we enjoy the nostalgic return to the days of our youth as we recreate many of the scenes that took place on the family farm that served as the stage for the first few acts of the play that is our live
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