Preparedness in the event of fire, and a fire at my place

[heavyhorse]

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Insurance is a major expense but worth it.  See that it actually covers what you think it does, don't assume, not all agents or companies are honest (we found out the hard way).  Insure what you have to to get up and running again, not every stick you own.  Lots cheaper if you bundle. 




Animal insurance is not worth it for most purposes (unless you own a syndicated race horse for example).  Money can't replace the individuals anyway, and the rates are such that you will pay for the replacement value of animals by the time they reach old age.




 




REMEMBER HORSES ARE FLAMMABLE!  If their hair catches it will smoulder over large areas, quite possibly fatally.  Hose them down if possible.  Wool goes out by itself.  So do cows.  Dog hair seems to go out but with so many breed characteristics I make no promises.