There is an old clich that says we should expect the unexpected, but there are certain events that seem impossible to prepare for.
According to home insurance provider NFU Mutual it has had to settle some bizarre claims recently as people with rural properties face some unique risks. For example, it reports that a ram took a disliking to one policyholder and head butted him, breaking his false teeth.
In another case, the owner of a house with its own swimming pool took a nap only to find
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