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On Wed, 7 Sep 2005, R. I. Nelson wrote:

> Here in wisconsin if you have a wood burning stove  to cut down on the high 
> price of heating fuel, most insurance companies will no insure you.

What happens if you go to an insurance house, they tell you for how much 
they'd insure you if they would (but don't), and then go to the bank and 
arrange for that exact sum to be diverted monthly into a checking 
account earmarked for that purpose ? Yes I know the premiums would not 
cover a major emergency in the close future. But what about later ? 
After all, if statistics work for the insurance company, why would they 
not work for you ?

Peter
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