3-10 RURAL MICHIGAN 



throughout tlic two peninsulas. Of the aggregate 

 number, ninety-one granges are located in the Upper 

 reninsula,with the counties of Delta, Chippewa and 

 Marquette in the lead. The largest Grange member- 

 ships are in the counties of Allegan, Branch, Eaton, 

 Kent, Lenawee and Muskegon, each of which has 

 more than one thousand members, Lenawee leading 

 with 3,019 in 1920. 



The Grange Mutual Fire Insurance Company of 

 Michigan, Limited, whose secretarial office is at Ros- 

 common, employs the executive committee of the 

 State Grange as the final court of appeal in case 

 of disputes concerning the adjustment of losses. This 

 company was organized in 1913 and reports (April, 

 1921) nearly six million dollars of insurance in force. 

 The company writes what is designated the "rodded'' 

 and the "unrodded" classes of insurance. In 1920 

 it reported losses of $13,376.62. Officers are elected 

 and amendments to the by-laws are made by members 

 voting by mail from their own granges. The com- 

 pany operates on the "advance assessment" plan, and 

 in case of loss pays three-fourths of the value, except 

 with live-stock killed by lightning, when full value 

 is allowed. 



The Patrons Mutual Fire Insurance Company, 

 whose office is at Lansing, is also closely associated 

 with the Grange, although the latter is not finan- 

 cially responsible for it. The company writes three 

 classes of business : the "roddcd" and the "unrodded" 

 on the annual assessment plan, each policy being 

 assessed on the anniversary date; and in the third 



