bear it all. This has the effect of causing him to exercise
greater care to prevent fire on his premises. For this reason
insurance does reduce the actual fire loss to some extent.
Property may also be insured against 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
preventable.

Precautions against fire in your home and school.

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 locality.

POLICE PROTECTION

All states have laws to protect their citizens against the "ill-
mannered" who do not respect property rights--thieves, burglars,