1906.] 



Insurance of Farming Stock. 



163 



per cent. Provided such insurance be limited to any specified 

 single building, the policy may be granted without any average 

 condition. 



Other Items Separately Insured. — Insurances are also granted 

 on roots not stored in buildings ; on growing crops, by separate 

 items ; on agricultural produce in any specified single building ; 

 and on any specified stock, in each case without the average 

 clause being applied. 



Implements and Utensils of Husbandry. — These may or may 

 not be included with the item of agricultural produce, and are 

 charged at the same rate. If included with agricultural pro- 

 duce they become subject to the special condition of average, 

 but not otherwise. 



Some companies stipulate that not more than ^^40 shall be 

 paid for loss on any one article, while others expressly exclude 

 machines worked by steam, gas, oil, electric, water, or wind 

 power, unless the same be specially mentioned as insured. 

 Farmers possessing machinery worked by power are advised, 

 therefore, to insure it as a separate and distinct item. 



Items not Covered by Ordinary Farming Insurances. — As men- 

 tioned above, farm produce, and also the contents of any thatched 

 building within 50 or 100 yards of a railway, as well as 

 machinery worked by power, are excluded from ordinary 

 farming insurances. In addition, the insurance does not cover 

 hops and grain drying in oasts or kilns, or in adjoining build- 

 ings ; barley, under process of malting ; contents of any build- 

 ing in which hemp or flax is scutched or dressed, or in which 

 screening of grain by power is done, or in which timber is 

 sawn by machinery, or the contents of adjoining buildings not 

 separated by a perfect stone or brick party-wall ; or the tanks, 

 vessels, and material for creosoting hop-poles or other articles, 

 and farm property within fifty yards of such tanks. These items 

 should be insured separately. 



Live Stock. — In the case of the insurance of animals on the 

 farm against fire or lightning, the policies of the leading com- 

 panies provide that if live stock is insured in one item, then in 

 case of loss no animal is to be deemed of greater value than 

 £/\.o ; if horses or cattle are insured in an item by themselves, 

 then the limit of value payable in case of loss on each horse, or 



02 



