For the $550 a year I pay for homeowners insurance I wouldn't be without it I understand what you're saying, and how many houses do you really see have problems I Burnwood and it's just a safety for me, if something did happen. My neighbor likes to burn greenwood, his house caught fire a few years ago but the insurance company covered everything for him. Even auto insurance is a rip off but I'd be afraid if I had an accident and hurt someone with no insurance, I could be sued for everything. I maxed out my deductible and got my premium down for my house insurance, I also got rid of the flood insurance as we don't live in a flood area. We got 9 inches of rain during hurricane Irene and not a drop came into the basement!
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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