The enquirer. [volume] (Richmond, Va.) 1804-1815, 1804-09-05

they are made. in ,his reGpea tlere arc 2 inf
OF them. The irft rate inclu,its m ,..rii .
hou!ta whereof the walt arc .,r;lt OF hricl cr
Rome, sud covered with tiic, l1f. or met FOR
which one per cent r1~e1liun l. oysaes'ci Ire
eighth rate paws ; per cent AND cGai.ls ofyrrv
n!arimab!e buildings. Houf., IN t. ;rteryrr.
dIa,e races arc-diAinGuiihed by diff, Mt premi.
ums and ritks.
cit brlding IS contiguous within 80 feet of
Others, ii pays additional preniiums.' ,d ti,, q
premiums are regulated by the nRammable ma.
te7as OF the buildings which are near 20 if. IF
Tor initancc IT he contiguous to Il houft. of IN,
fIh rate, If pays ten cents more: that's, Il ,avs
in the whole lilo per cent. In the Elne man.
nei the additional premium is a,ljufsed to build
ings OF all the other rates. Having {..tI,i +L>
lniurance of one Of thefe houtes, the t0iratf i
afterwards extended to NOR, thar me bouc 80
tous to 1t. 1t comprchends whole ys,oe, of hon,
les, S;;ts::5uiihed too by the xa.s,e of the ma.
terias. '"e "'a-
in the forming of thele tables Of hszards ,ha
mott perfect accuracy has not been conG,I.'J
In the frtt clas of houfes for infance. br;IJ'
ing at the diitance of2l feet has no more 70 INV
than another at 40 reet. In the fecond elf M
allowance is made for the height of the CONT.
Gus houies, and the number of contio,,e,,o
nouies from one to FIVE. The hrt cjafs of
houies may be generally faid to comprehend
thote which are in the country: the onI &c.
Their the premiums and the lo0es. which bs,-e
been paid IN town and country, we GhaIl diG.o-
yer that thefe relative premiums are nor scci,.
rately adjuited, and that houfe in the tow f,s
been rated too low, in proportion TO one or tbr
fame kind III the country
i mere are lone buildings, which are nor infiI-
raoie without fPecial contract with the
PRECEDENT and Directors f,ch 80 ,ae
der mills {; buildings which are worth 4nr,+s,.,
10000 dolls. and thote which are worth If ST.,
100 dolls. 80 - --'''1
When perfon wifhes to infure his bo,Ga. re
procefs which is purified is extremely Gnoio
lie makes out ipecifc hateraent OF the trr.
ture, and Mutation of his houfe. and every cir
cu",tdfCe winch may indicate which is the
nou'e' ana what are the Chances of its burning
Gown. ms itateTleat is called i ascIzro,;o,,
1t is accompanied bv certificate made ont bv :,
majority of three Respectable hou{t-hoIdrrs rs
the value OF the buildings, independent of the W.
Tue OF inc hte. Upon pretending theie to the
agents at Richmond, the value OF the nrrn,irroa
Is 10 be calculated on thefe data. when thief,
are Paid IN, the owner receives A policy or q
Wf,tten o0iigation to pay him the injured worth
or ms building, when proof fhall have been ex
hIbted that It was accidentally deftroved I've
hre, or by lightning. Thefe premiums are NOT
paid upon the whole eltimated vaIre OF thu
building. Four-fths only are injured TIE
owner INJURIES one fifth himielf. This rec,,Iat;or,
is intended to prevent any one from burning
down his own houfe, who would otherwife re-
ceive its whole value.
Beildes premiums, an additional fun is naii
upon granting every policy. This is called
tax upon the policv this tax was Originally de-
fgned FOR paying the faares of the PRINCIPAL
agent, and the agents in the different towns and
counties. But as it is thrown into the f,r,e
iund with the premiums, and as the agents are
PAID out OF this general fund without any difcris
m'nat'on' this tag fhoud properly be denomna.
ted an additional premium.
VIII n the infereft ofthis general find &c found
,ntuii'cient to pay the lof7es, new reduiGtion
mas been commonly called for from the fubfcri-
oers. An exception however took place at the
lalt meeting of the ftock-holders on fhe sif of
July: They determined that no new Quota
mould be demanded but that the flock in
fold. -i'0uiu oe
In the collection ofthefe premiums and mo.
taS the iociety pofefIes particular priviledees.
as loon as the declaration is delivered, the pre-.
mum otsomes due /; the fociety NAV demand
It, but ihoud the houfe be burnt down. the
proprietor cannot demand Reimbursement. The
nouie is always pledged for the payment of the
quotas and premiums: and by a fpecial a0 of
January ~ 1893, they may be recovered, on
the i1mPe motion of the calhier before the
court. TIC
AS inc value of a houfe becomes lefs and lefa
every year from its wear and tear, and az II
would be uniuf for the focicty to Dav the value
at which 1t was originally injured, it is provid-
cd that new valuation of the houfe hall be
made for every 10 years, and new declarations
ihai be formed.
Any member of the afTociation who Nno,Id
De dihatsfed with its rules, is permitted 10
withdraw his infurance, by giving three months
previous notice, and provided he paws 70 thc
Gather what is already due for premiums or
quotas. "
The administration ofthefe bye.laws, and tLs
management OF all its fubordinate concerns, are
entruited to pre6dent & ii directors. who arc
appointed by the fubfribers or their proxies. al
me annual meeting, held in Richmond du,;ro
the fitting of the Legislature. The merely rxe,
cutlve part of the buGinefs is committed to
principal agent and calhier general, chofen in
the fame manner. -
ne Diiiritt Court commenced its fitting in
this town on Saturday. Richard Bland Ran.
DALI brought before it under the charge of Par
ricide, was acquitted.
$3.50 -
" TIE authors offbe Rainbozv are reoueRed
10 meet at s o'clock on Saturday ereniap at I'd.
lTcco gy he