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There is a Nigerian proverb which states that the only insurance against fire is to have two houses.
Because Ms. Baer is a writer, she keeps a copy of her most current manuscript there, plus one in the refrigerator, as insurance against fire and loss.
In May 1866, Samuel Paul, a resident of the Commonwealth of Virginia, was appointed the agent of the New York insurance companies, to carry on the general business of insurance against fire.
But that is not the whole story: to take just a few examples, in the area of insurance: a cooling-off period is provided for life assurance only but not, for example, for insurance against fire and theft.
In Germany, if you buy a house or own a flat, you have to take out insurance against fire and the forces of nature, even though, in cases of doubt, it is only you who will be out in the cold.
The board of directors appointed Henry to head a committee "to consider as to the benefit and propriety of extending insurances against Fire generally to other Cities and Towns in other States beyond what is now customary to take."
