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A FARMERS’ MUTUAL FIRE INSURANCE COMPANY. 21 
BY-LAWS. 
FARMERS MuotruaL Fire INSURANCE COMPANY. 
SECTION 1. Purpose. 
The purpose or object of this company shall be to protect its members against 
property losses from fire or from lightning. In the accomplishment of this 
purpose the company shall employ the following means: ; 
First, careful periodic inspection of the property insured, followed by advice 
and warnings against fire dangers, and, when necessary, by orders for the im- 
provement of bad risks; also, so far as possible, the general enlightenment of 
_its members on matters of safe construction and proper maintenance and care 
of property in order to avoid danger of loss or damage. 
Second, the distribution among its members on the mutual-insurance plan 
of any loss caused by fire or lightning which may occur in spite of all reason- 
able precautions. 
Sec. 2. Property that may be insured. 
This- company shall insure only farm or country property consisting of de- 
tached dwellings and their contents; farm buildings, including silos, and their 
contents; farm machinery; vehicles; grain and hay in bin, stack, or loft; and 
live stock; and detached risks of similar hazard within the corporate limits of 
cities or villages, not less than 100 feet distant from all other risks in places 
lacking adequate fire protection, and not less than 50 feet distant in places 
having efficient fire protection: Provided, That no property of any class not 
considered reasonably safe by the board of directors or their representatives 
shall be insured: And provided further, That old and dilapidated structures, 
buildings wherein fire is used and the fiues are defective or dangerous, paint- 
ings, jewelry, money. or securities or other evidences of ownership or of credit, 
shall in ne case be insured by this company, 
Sec. 3. Membership and meetings. 
(a) MreMBERSHIP.—The membership of this company shall comprise all per- 
sons who have property insured therein. 
(bo) ANNUAL MEETING.—The annual meeting of the company shall be held on 
the third Tuesday in January of each year, in the city of ————. ‘The exact 
place and hour of meeting shall be designated by the executive committee here- 
inafter provided for. Notice of such meeting shall be sent by the secretary to 
each member at least 15 days before the date of the meeting. 
(c) SPECIAL MEETINGS.—Special meetings of the company shail be called 
whenever the board of directors by a two-thirds vote shail so order, or when- 
ever one-fourth of the members shall petition for such meeting. 
(a) VeTING PRIVILEGE._-Hach member shall be entitled to one vote on all 
questions arising at the annual or special meetings of the company. No vote 
by proxy shall be allowed. 
(e) Quorum.—At all annual or special meetings of the company 15 members 
shall constitute a quorum, 
