_ CHAPTER XV. THE QUESTION OF INSURANCE
My neighbor, Mr. Teddy, called on me one morning as I sat under a willow tree watching the tinner at work on the roof and wondering whether it was really as nice and warm on a tin roof under an unobscured sun as it seemed to be.
"Do you know," said Mr. Teddy, cordially, "this is the first time I have ever visited this place. Frequently in my walks of an evening I have passed here, and, in common with others, I have admired the graceful slope of the lawn, the stately dignity of the trees, and the bright colors of the flowers that here and there dot the verdant expanse. Surely in the possession of this charming estate you are, my dear friend, one of the most fortunate of mortals. Your life amid these picturesque environments, in this sequestered spot, far from the din and turmoil of the urban throng, will be in every respect ideal--a dream, sir, a poetic dream."
You will perhaps understand by this time that I regard Mr. Teddy as an exceptionally worthy and pleasant gentleman.
"And," continued Mr. Teddy, "it would be cruel if your studious researches in this academic grove were by any chance to be interrupted by any harassing business care. The serpent of worldly solicitude, sir, should never be suffered to enter this veritable Eden."
"You are right, my good friend and neighbor," said I, "but how can I prevent the intrusion of care, since, alas! I am merely human?"
"It behooves you to make provision against every contingency," answered Mr. Teddy. "Do I understand that you carry insurance upon this residence?"
"Insurance? Why, no, I think not," said I. "Insurance is a matter I never thought of."
"Is it possible," cried Mr. Teddy, "that you have neglected to provide against that serious loss which would accrue if a careless workman were to drop a lighted match in yonder pile of shavings? Think for one moment, sir, of the ruin that would confront you if this magnificent but uninsured architectural pile were to be swept away by the pale hand of the remorseless fire fiend! I beg of you to provide yourself with the means of redress ere you are overtaken by the bitter pill of adversity. Mr. Baker, your beautiful home should be insured at once!"
It then occurred to me for the first time that neighbor Teddy was the general western agent of the Royal Liliuokalani Fire, Marine and Accident Insurance Company of Hawaii. I have often wondered why a man when he embarks in the insurance business invariably attaches himself to a concern located in some far distant clime, and now that I am thinking of it, I will add that I have often wondered why the efficacy of patent medicines is so often testified to by the affidavits of people with strange names who reside in queer streets in obscure hamlets hundreds of miles distant from the place of publication.
"It would be wise of you," said Mr. Teddy, "to let me write you out a policy immediately. It is always prudent to take time by the forelock. Our rates are low, and, as you doubtless are aware, our company is the most prosperous in the world. We were awarded a medal at the World's Fair.
"I know absolutely nothing about these things," said I, candidly, "but I suppose we ought to have the place insured. I should be glad to have you drop around some evening and talk the matter over with Alice and me."
To this suggestion Mr. Teddy took very kindly and he promised to call very soon. As he retired down the gravel walk Colonel Bobbett Doller came up the same. The two gentlemen saluted each other very coldly.
"Colonel Doller is coming to talk to me about that twenty-five foot strip of land," says I to myself; but I was in error.
"Ah, good morning, neighbor Baker, good morning!" cried Colonel Doller, cheerily. "Beautiful weather we 're having--too dry, though, much too dry! All nature is parched. We need rain badly; otherwise the most lamentable consequences will follow. I dare say you have noticed by the paper how alarmingly prevalent conflagrations have become?"
"Have they?" I asked, in genuine surprise.
"Shockingly so," answered Colonel Doller. "The record is simply appalling. If this thing continues a lot of the little mushroom insurance companies will fail; it 's an ill wind that blows nobody good. The public will presently awaken to a realization of the danger of patronizing the irresponsible concerns which are trying to do business under the shadow of the old and reliable companies."
"Do you really think there will be a panic?" I asked.
"Among the small fry, yes," answered Colonel Doller; "but nothing short of a universal cataclysm will feaze to the slightest degree the Vesuvius Assurance Company (limited) of Piddleton, England, the oldest and staunchest insurance company in the world, of which I am, as perhaps you know, the general manager for the western hemisphere."
"We--and when I say we," continued Colonel Doller, "I mean the Vesuvius--we have a cash capital of eighteen million pounds, and a reserve fund of twelve million five hundred and sixty-eight thousand two hundred pounds, three shillings, and six pence. Our losses last year were six million three hundred thousand pounds in round numbers, and our premiums were eight million five hundred and sixty-three thousand two hundred and sixty-five pounds and eighteen pence. So you can see for yourself (for figures do not lie) that the Vesuvius is as solid as the everlasting hills."
"The Royal Liliuokalani is a pretty good company, is n't it?" says I.
"The Royal Liliuokalani?" repeated Colonel Doller. "The Royal Liliuokalani? Let me see--I don't know that I ever heard of it. It's a Milwaukee concern, is n't it?"
"No," said I, "my understanding is that it is a Hawaiian enterprise."
"Possibly so--very likely it is," said Colonel Doller, indifferently. "There are so many of these little schemes springing up nowadays that I do not pretend to keep track of them. If, however, you should at any time contemplate insuring you will, of course, come to the Vesuvius."
I repeated to Colonel Doller what I had told Mr. Teddy about the feasibility of consulting Alice. Colonel Doller replied that while the Vesuvius was entirely too big and too conservative a company ever to skirmish for business, he would, purely out of regard for his long friendship for me, call that evening to have a business talk with Alice and me.
Later in the day I had a visit from Frederick Jeems, another neighbor engaged in the profession of fire insurance. He began his attack adroitly by complimenting my new house and by regretting that I was shingling the roof.
"But so long as you 're insured," said he, carelessly, "I don't know that it makes any difference whether you use shingles or slate."
I confessed that I had not taken out any insurance, and this gave him the desired opportunity to bring up his batteries of eloquence, of argument, of statistics, and of figures. Before he was done he had overwhelmed the Royal Liliuokalani of Hawaii and the Vesuvius of Piddleton with a genuine avalanche of scorn and derision, and had quite convinced me that the only solvent and secure insurance concern in the world was the Deutsche Kaiser of Bomberg-am-Rhine. In an inspired moment I bade Mr. Jeems come round that very evening to present his facts and figures to Alice, and I laughed slyly to myself as I pictured the meeting between himself, Mr. Teddy, and Colonel Doller. This may strike you as having been malicious, but I claim that under the circumstances I was warranted in planning this practical joke.
Having disposed of these three gentlemen, I flattered myself that I was temporarily done with the vexatious details of insurance, and I was getting ready to bank up one of the flowerbeds with black dirt when who should come along but another neighbor, and a very charming one, too--Angus Cameron Macleod? For two years we have been more or less intimate. Macleod combines many strangely diverse accomplishments. He executes the sword dance with singular grace, and he recites Robert Burns' poems and passages from "Marmion" by the yard, and with inspiring animation. Although I am in no sense a music critic, nor even a connoisseur, I will confess that I have often been actually transported with delight by neighbor Macleod's rendition of "The Campbells Are Coming" on the bagpipes. At the same time he is a skilful rhetorician and severe logician, as all who have heard his defence of Presbyterianism will testify, and I will concede that I never heard anything more absorbingly fascinating than his exposition of the honest and ennobling old doctrine of infant damnation. If you knew Macleod you 'd agree with me that he is a man of parts.
"Now that your house is pretty nearly done," said Macleod, "you ought to take out some insurance in our company, the Bonny Thistle Marine of Inverness."
"But gracious me!" I cried in astonishment. "Why should I take out any marine insurance on a _house_?"
"For the very best reason in the world," answered Mr. Macleod. "Your house stands within two hundred yards of one of the fiercest inland seas of the world. Even now you can hear the tempestuous billows dashing wildly upon yonder treacherous sands, and you can see the surf madly reaching out as if to overwhelm this fair spot with its fatal fury. At any time a tidal wave is likely to sweep in from the frowning shores of Michigan. Fancy for one moment what would become of this beautiful but delicate fabric if that mighty lake were to burst its confines and surge in one vast wall in this direction! Has not the immortal Scott truly said:
"Against the wrath of nature how vain
the works of man?
"My dear Baker, you certainly are too sensible a man to be blind to the security which is held out to you in this supreme moment of peril by the Bonny Thistle Marine of Inverness."
I admit that I knew not what to say. I had never before suspected any of these dangers which, according to my friends, now seemed imminent. On the one hand our cherished new house was threatened by fire; on the other hand that same dear edifice seemed to be doomed to a watery grave. Under these conflicting threatenings what was an inexperienced man to do? Heaven be praised, my presence of mind did not desert me. I referred Mr. Macleod to Alice, as I had referred the others. It was her house, and she would have to be responsible for it against the devouring elements.
That night I dreamed that the awful suggestions of Messrs. Teddy, Jeems, Doller, and Macleod had been realized. I dreamed that the new house was confronted upon one side by a wall of flame, and upon the other by a wall of water. Destruction and death seemed imminent. I dreamed that, trusting rather the mercy of the waves than the ferocity of the flames, I leaped into the billows and struggled like a Titan with them. I awoke, screaming with affright. _