Community civics and rural life . eprovide insurance at a much lower rate than the ordinary com-mercial insurance companies. A usual provision of the lawsunder which these cooperative companies operate is that nomember may insure his property for its full value. His neigh-bors will help him bear his loss, but will not bear it all. Thishas the effect of causing him to exercise greater care to preventfire on his premises. For this reason insurance does reduce theactual fire loss to some extent. Property may also be insuredagainst loss from storm and flood. Investigate and report on: Fire losses
Community civics and rural life . eprovide insurance at a much lower rate than the ordinary com-mercial insurance companies. A usual provision of the lawsunder which these cooperative companies operate is that nomember may insure his property for its full value. His neigh-bors will help him bear his loss, but will not bear it all. Thishas the effect of causing him to exercise greater care to preventfire on his premises. For this reason insurance does reduce theactual fire loss to some extent. Property may also be insuredagainst loss from storm and flood. Investigate and report on: Fire losses in your community in a year. Causes of fires in your community last year. Number that were prevent-able. Precautions against fire in your home and school. 240 COMMUNITY CIVICS Fire preventive regulations in your community. Cost of fire prevention in your community. Improved means of fire prevention in country districts. How fire insurance works. Cooperative fire insurance companies in your state. Storm insurance in your Flood of the Ohio River at Marietta, Ohio All states have laws to protect their citizens against theill-mannered (see p. 47) who do not respect propertyPolice rights — thieves, burglars, highwaymen, vandals, protection sharpers, and others. The enforcement of theselaws is left largely in the hands of local community have police departments, with large numbers of patrol-men and detectives whose business it is not only to arrest vio-lators of the law after the violation has taken place, but alsoby their vigilance to prevent the violation from occurring. The state laws against the violation of property rightsapply to rural communities as well as to cities, and rural corn-Rural police munities have officers for their enforcement — theprotection constable in townships, the sheriff and his deputiesin counties. Where the population is small and widely scat- PROTECTION OF PROPERTY 241 tered, as in a rural township or county, about all the
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Keywords: ., bookcentury1900, bookdecade1920, booksubjectcountrylife, bookyear
