The home journal. (Winchester, Tenn.) 1858-188?, 1860-01-12
INSURANCE.

"''N' ''"' '''' WIZ oWll properly
Will refuse to insure that property
which they have labored years, pcrhap
to accumulate, but which, is liable to b.
destroyed by the dcvouring element il
enc night If II man is insured he ca,
leave homo with the satisfaction tina
should he find his home burned dow,
when he returns, the Insurance Comma
ny will owe him enough to rebuild an,
thus provide home for II family tina
otherwise might be thrown upon tl,
cold, eNacting sympathy Of Il cruc
world, We believe it is 4 duty incum
bent on every man-a man Of family cs
pecmlly-to insure his property, for he
knows not when or where fire may
originate and destroy the last vcstigc
OF his worldly effects. The causes OF
fire are so numerous, and 50 unexpected
that no one could feel safe. All that
many persons possess in this world is
often invested in property liable to be
destroyed by fire, and how can the mind
of the owner rest easy? Perhaps he is
in debt-and what can he look to for n
liquidation if a fire should destroy what
he has. And would not persons crod-
itors feel much sccurcr, they knew
their doctor to bcinSurcd in some good
responsible company? That isa point
for consideration, and weighs heavily
with men who do credit business.
Another thing suppose the business
men in Winchester were insured, and
fire were to consume their risks, the
Insurance company would send back to
our community an amount sufficient to
repair our loss in part, ifnot wholly
The community would lose none Of its
wealth. That is another important
consideration.
And rs we said before, how much
better cOntcntmcnt rests in the mind of
him who is insured. For instance. In
September last the fire that consumed
G. NJ. Farmers cabinet shop on the
corner of the square, besides other bull
dings, and threatened the whole town
that fire was close to our Office. In
fact, the Home Journal office was ON
fire several times, and was barely saved,
Had il burned, 'twould have been to-
tai loss, and very heavy to us, having
just about finished paying forit: Fora
small sum we might have been insured
and in case of destruction by fire, the
guarantee Of the Insurance Company
would have started us on again with
new outfit.
How many Of our citizens wished
that night that they were insured, and
yet have forgotten the admonition cf
that fire, and put off insurance. We
tell you, it pays to insure. Here is Il
man in Winchester who has II dwelling
worth, say $4,000. He gets an insurance
of$l 900, or 81 800, and pays2 per cent,
On $1,000 this is $50, which insurcs
him against fire for one year. Only
twenty dollars to guarantee you against
fire for y months. and yet you refuse
to insure, or procrastinatc until fire
comes and leaves you nothingt to insure.
There is not Il private residence in VIM
chester, or business house that ought
not to be insured. 1t is to the benefit
of the town. The little premiums, you
pay out will never be felt one HouSandh
portas much as one bad fire. And to
show the the benefit OfinSurancc to the
whole community let us make Il suppo-
sition that we have seen vcrcticd in our
town. Suppose A. in Winchester owns
Il private rcsidencc--it is burned there
is no insurance on the is poor-thc
generosity of his friends is awakened
and they contribute towards the bull
ding him new house, some giving 80,
some 20, some 10, and some dollars
And thus the money goes. Suppose,
secondly, the building had been insured,
would any donations have been made
the sufferer? None . lie would not
expect it, nor would they donate because,
the Insurance Company would have
TO rebuild for him, or pay for his loss.
Our citizens would not be taxed at all,
nor would A. have to place himself I'M
Her obligations toscorcs ofpcrsons who
might assist him in his misfortune
And now we say, erery. man ought to
insure. Select you good company
the .Etna for instance, and don't wait
Il day. We mention the Etna because
we honestly believe it is the best com
pany in the Union. 1t has, by far, the
largest capital, and has stood forty years
icSt, and yet all that time has been adj
ding to its capital. 1t guarantees to its
customers degree of security not al
ways attained by policy of insurance.
Other companies may insure cheaper,
but, in the end, those who patronize
such, find out that cheap purchases are
not always the best economy.
Many Companies make a hnp-hazard
business of ofinsuranee-takc risks at any
price, and run the chances. And owing