Friday, March 8, 2013

Storm!

A storm came through last night, dropping 4-6 inches of snow on pony and hillside alike. I had gone to sleep sometime around 1 AM and woke up close to 5 and I don't think I was awakes more than few moments before I was dressed and outside with the goats. I thought for certain this storm would bring in at least one bout of labor, but it hasn't. Still no kids...

We are in that wild March dance right now. We tango with half a foot of snow one day, and by tomorrow evening it will be gone and nearly fifty degrees with the sun shining. I am, in all honesty, frantic right now and this weather isn't helping. With a big Two-Day workshop starting tomorrow morning downtown, two goats about to burst, Two manuscripts, and a farm to keep going on a shoestring....I am a little frazzled. There just isn't any time or room to stop and take a breath. And that isn't a complaint, it's just how things are!

I have a lot of errands and meetings today, things to coordinate and such. I have a Farm Family Insurance agent coming to evaluate the place. My current home insurance is being revoked in April. Their reason? "Farming on Insured Property" So some of you folks with a few sheep, horses, or chickens might want to check with your current insurance agents that you are still covered. Allstate has now dropped me in all forms of insurance. I got in two accidents last winter (slid on ice) so they told me they would no longer cover me, and now I have been caught Sheep-handed and my crook is the smoking gun. That's okay though. The folks at Farm Family are used to people like me, it's all they do. I just hope I can manage the new premium, hoping it is less that my current. Anyone have experience with these guys?

I just reread this and I sound like a crazy person. I promise more focus when my life exhales a bit!

26 Comments:

OpenID vintageandhandcraftedinnovascotia said...

Spring is always so busy - and especially while you are still heating as on top of everything else there is the carrying of wood and staying close to home to keep the fire in......
As for insurance, insurance benefits the business of insurance first and the consumer of insurance second.
Home and household is a necessary evil; and liability is necessary by law for vehicles.
An area where you can save a little, is by cancelling collision on older vegicles, especilly if the vehicle is out from under pyments which require you to carry it. Even a totalled vehicle returns only its minimal blue book value when the insurance company writes it off.
If your accidents are single vehicle and the damage at or under your deductable if you have to carry collision due to the lender requiring it, there is no point in reporting it to your insurance company - at best your insurance premium will go up, at worst they will cancel you altogether.
Vehicles are a necessary evil but the sooner you have no monthly payments on one, the better.....\
Happy spring everyone - hope kids are coming, lambing is soon and no more snow days!!
Janet in the bright but chilly village of Hall's Harbour

March 8, 2013 at 9:03 AM  
Blogger Maria said...

Ah no, you sound pretty much in control of the essentials to me. Insurance is a good priority! fingers crossed for a new lower premium for you.

March 8, 2013 at 9:15 AM  
Blogger Christee said...

Crazy is ok Jenna, you amongst friends. I sound like that on a regular basis. ;-)

March 8, 2013 at 9:22 AM  
Blogger doglady said...

Farming adds a whole new level of exposure than your property just being a residence with a few chickens. You also probably need to add some kind of insurance to cover workshop attendees since that is a commercial venture. Probably Family Farm has a product that will cover that exposure which is definitely beyond the realm of normal homeowners.

March 8, 2013 at 9:23 AM  
Blogger Patti said...

It will all work out I know. Happy weekend!

March 8, 2013 at 9:41 AM  
Blogger Jill said...

Girl, if you can do all that . . . I guess I can tackle my pitiful to-do list.

Remember to breathe.

March 8, 2013 at 9:54 AM  
Blogger Alison said...

Knowing you, the goats will go into labor while the insurance agent is there, and s/he will turn out to be a moonlighting caprine midwife. The agent will be so giddy with the safe delivery of twin does that s/he will happily barter you a kid for the first 6 months' premium. :)

March 8, 2013 at 9:58 AM  
Blogger SouthernHeart said...

Not crazy at all, Jenna...just someone with a lot of "irons in the fire"! Hopefully, the premium might even be less. Hang in there! Here in Iowa with the ground still covered in snow, I remind myself that SPRING is coming!

Blessings,
Dianne
www.sweetjourneyhome.com

March 8, 2013 at 9:59 AM  
Blogger Kate said...

We are getting dumped on again! Wishing you well. I'll bet the goats will hold out until fiddle camp is done.

March 8, 2013 at 10:16 AM  
Blogger Tara said...

I'm feeling a bit stressed today, too, packing our lives up again to head across the country. I hate rushing around, and I can't wait to be settled for real!

Anyway, I'll be thinking of you today, wishing you deep breaths and deep peace, and enough strength to manage the chaos.

I hope the insurance thing goes well! We'll stop by fiddle camp tomorrow to say goodbye. Thank you again for Gloom! <3

March 8, 2013 at 10:35 AM  
Blogger dazy.mae said...

Hang in there. I've been reading the blog archives and I am confident you'll get through this. I realize my telling you that doesn't necessarily bring the emotions you have right now immediately into check....but I still wanted to remind you what obstacles you have already over come. Just like your farm you are "scrappy" and tough. You encourage me and inspire me each day. Knowing you stress over things actually makes you and your blog more appealing, at least to me. Life is not all rainbows and puppies and you do not sugar coat situations or give us false hope. You give us reality, struggles, triumphs, tears of joy and pain and through that honesty you encourage us. Then, through that encouragement we can harness genuine hope. So, Jenna, close your eyes, take a deep breath, feel the air enter your lungs, your chest expand, your shoulders rise. Now slowly let that breath out, feel your shoulders relax, listen to the sounds around you. Let the routine hum of YOUR FARM calm and center you. You have handled worse and will also this, plus the next....get my theme? Rooting for you from Wisconsin.

March 8, 2013 at 11:11 AM  
Blogger Sarah said...

Farm Family has always been good to our family and farm. They cover the farm, house, vehicles, horses, etc... They'll understand you better than Nostate ever would.

March 8, 2013 at 11:31 AM  
Blogger PurrfectPetSitting said...

We have State Farm and LOVE, LOVE, LOVE them. I can't believe they are dropping you for farming on insured property....should you farm on uninsured property instead? ay yai yai.

March 8, 2013 at 11:38 AM  
Blogger Cassandra said...

Wishing you good luck with the insurance (and the kids, and everything else too!).

March 8, 2013 at 11:44 AM  
Blogger Noël McNeil said...

I can understand your level of stress and know that you have my FULL sympathy(and I don't mean that in a derogatory way, I mean it in that I know hot you feel) and respect. I ABHOR stress and I avoid it like the plague. Hope things get better for ya girl...

March 8, 2013 at 12:06 PM  
Blogger Cathy said...

Insurance companies are a pain in the ass when it comes to animals. Can you believe a husky is considered a uninsurable dog? It is. IF we had a husky (which we DON'T) or if our dog was even part husky (which she's NOT) they wouldn't insure us. ;)

March 8, 2013 at 12:39 PM  
Blogger Fin said...

I recently switched to Farm Family myself and my premiums DOUBLED. This is not what the agent led me to believe, but I'm pretty much stuck with it.

March 8, 2013 at 1:58 PM  
Blogger Laura said...

I have farm family, actually I was dropped from allstate too. They dropped me right after we moved into our new house, they gave us a month to replace our roof or we would lose the insurance, this was in a letter too, no phone call. Also it was February, in New Hampshire.
Needless to say I really only have bad things to say about Allstate, so we found Farm Family and I can not say enough good things about them. I do all my insurance through them and they are great!

March 8, 2013 at 4:38 PM  
Blogger deodar said...

Hate, hate HATE insurance, biggest racket there is. We have just under 40 acres. The local farmer harvests the tillable acreage in barter for hay for our critters. We pay an extra to cover him even though he's an LLC. We pay an extra for having horses (an attractive nuisance, like a swimming pool). Makes me nuts but we had difficulty finding coverage because or the acreage (?!?). I actually had one agent tell me they wouldn't cover the barn because we might put hay in it. DUH, it's a barn!!!! aack don't get me started
Otherwise sounds like real life in general, if things are quiet calm and going well - that's when you start to worry.

March 8, 2013 at 9:22 PM  
Blogger Linzleh said...

I had Allstate once too. They discontinued my homeowners cuz my agent forgot to tell the home office I replaced my roof!!! It was a paperwork mess but once I got the situation worked out I dropped Allstate & got AAA insurance for everything, it's okay. Good luck with the goats, I'm doing my share of worrying for you.

March 8, 2013 at 10:59 PM  
Blogger Linzleh said...

I had Allstate once too. They discontinued my homeowners cuz my agent forgot to tell the home office I replaced my roof!!! It was a paperwork mess but once I got the situation worked out I dropped Allstate & got AAA insurance for everything, it's okay. Good luck with the goats, I'm doing my share of worrying for you.

March 8, 2013 at 10:59 PM  
Blogger Rosie said...

what about the local Farm Bureau, they handle all kinds of insurance for farmers in Oklahoma. I had to make a claim against one of their insured for a fender bender.

March 8, 2013 at 11:08 PM  
Blogger Linzleh said...

I had my run in with Allstate years ago after a hailstorm damaged my roof. I have AAA insurance on everything now, and it's okay. Don't be afraid to shop around and survey your friends & neighbors about insurance options. Good luck with the goats I'm whispering favorable caprine juju in your direction.

March 8, 2013 at 11:11 PM  
OpenID moo-producer said...

I've gotta chime in...Farm Bureau is Way too big for their britches. They are basically a political party, touting membership via cheap rates and groupthink. If you like giving your money to a Republican lobbyist group they are the ones! I'm probably the only farmer in my county owning over 200 acres that doesn't bow to the FB. Beware.

March 9, 2013 at 10:20 AM  
Blogger Jess said...

Is there an 'animal level' that make rates higher, i.e. having 2 horses, 8 sheep, ect. that you can get below that would open more, and cheaper, insurance options for you? I don't know if it's similar to owning a new car vs an older one.

March 10, 2013 at 11:58 AM  
Blogger Jess said...

Is there a certain 'animal level' i.e. having 2 horses, 8 sheep or whatever, that you can get below so you have more, and or cheaper insurance options. I'd think it'd be like having an older car vs a new one.

Good luck...

March 10, 2013 at 12:02 PM  

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