The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1917-12-28
BUILDING | COSTS
HlAV E INCREASED:
HOLDINGS SHOULD
Be WELL INSURED
Many Policies Do Not Cover Value
of Property In Case Of Its = T.,
Destruction.
no REPLACE LOSS WOULD
81 - EXCEED THE FORMER COST
AFew Cents Would Bring Up Policies
70 Cover Increase In Material
Cost.
no REPLACE LOSS WOULD
EXCEED THE FORMER COST

In tomOrrOw's issue will be pub
i lished the last of a series of insur-
ance advertisements placed by Be-
midji's leading insurance agencies.
The following were the concerns
who conducted the campaign of edu-
cation: Northern National Bank,
I Berman Insurance Agency, Reynolds
4 & Winter, J. p. Lahr, Security State
Bank and the First National Bank.
&s5 These deserve credit for the en-
terprise they have shown in secur-
3 Ing for Bemidji lower insurance
rate and in encouraging the con-
struction Of good buildings, with a
view to keeping them in the best Of
4 cOnd ditiOn,> thus reducing the danger
of tire loss.
The fact that values have greatly
4 Increased during the past three years
makes stock and buildings worth
kISAmOre money. Should fire occur the loss
could not be replaced at the original
cost. Yet the chances are that NO
II more insurance is carried than three
y years ago. 1t must be admitted that
tthisais poor business.
Good Bulnes Policy.
IL the advertisements run by the
six insurance concerns above men,
sstioned, are read, one could not help
hut realize this. 1t is clearly evident
that the motives of these concerns is
\ more to protect citizens, than to sell
tti0nal Insurance.: Ample sinsur-
Ez11at 1costs very little, when compared
the possible loss. A cent or two
more q day will give proper protec-
,tiOn over the cost of half protection.
True, a number of Bemidji busi-
ness men have taken heed and in
creased their protection, but the av
sserage man has not given it the
thought he should. Homes, fixtures,
y Buildings, machinery, merchandise,
y household furnishings, rugs, carpets,
d and textiles have greatly increased.
One may therefore be paid only a
,afrAction of the fre-loss unless prop
-srly insureed.
Look to Your Policy.
This is just the time of year to
Investigate. People would do we'll to
get out their fire insurance policy,
figure up the value Of what they own,
s:at prices today Find out what %hey
are worth. The insurance agent will
aid in doing it. Telephone him and
make an appointment. This will cost
nothing. Talk it over with him, he'll
be glad to do it. And then, when
thoroughly satisfied as to the present
conditions, act.
This article is written, not with
sole view to help the insurance
s agents, but as precaution, and with
a view to awaken the public interest
In personal property protection. This
city, much less it's real and personal
property holders, cannot afford to
lose property by fire. It is a safe in
4 vestment to carry ample insurance,
because it means rebuilding. Half
osition.
Property Values Increase.
Bemidji and Beltrami county are
rapidly coming to the front. Prop
erty has increased here at greater
rate Of speed than in most places.
This means that buildings in Bemidji
when properly repaired, are grow
ing in value, rather than depreciat-
ing. In Chicago, and other large
cities, campaigns of similar nature
have been conducted and keen busi-
ness men have heeedd the warning.
They have insured accordingly.
Bemidji has just as keen and
shrewd business men as elsewhere.
This is also true of professional and
tradesmen as we'll as the laboring
men. Many own their homes. Most
! Of them could not afford to lose it.
AS before stated, talk with the in
surance agents will cost nothing. He
will give advice to any, if needed.
Fire Is dreadful enough without the
added loss Why wait longer?