A man and his wife, moved back home to Missouri, from Texas.
The husband had a wooden leg, and to insure it back in Texas, it cost them $2000 per year!
When they arrived in Missouri, they went to an insurance agency to see how much it would cost to insure his wooden leg.

The agent looked it up on the computer and said:  ‘$39.’
The husband was shocked and asked why it was so cheap here in Missouri to insure it, because it cost him $2000 in Texas!

The insurance agent turned his computer screen to the couple and said,
‘Well, here it is on the screen, it says: Any wooden structure, with a sprinkler system above it, is $39…

You just have to know how to describe it!!!’