A man and his wife moved back home to Minnesota from Arizona. The wife had a wooden leg and to insure it in Arizona was $2,000.00 a year!

When they arrived in Minnesota, they went to Sven's Insurance agency to see how much it would cost to insure the wooden leg. Sven looked it up on his computer and said to the couple, "$39.00."

The husband was shocked and asked why it was so cheap in Minnesota to insure, because it cost him $2,000.00 in Arizona!

Sven turned his computer screen to the couple and said, "Well, here is it on the screen, direct from Ole's Minnesota Fire Insurance Company. It says: Any wooden structure, with a sprinkler system over it, costs $39.00.”