Whether you own a multistory apartment building with dozens of units or you are simply renting out the summer cabin near North Bend State Park in West Virginia, landlord insurance is a must. Not only may West Virginia laws require you to carry landlord insurance, the right policy can save you from financial disaster. Before searching for landlord insurance quotes, however, it's important to keep a few things in mind.
Hay vs. Straw in the Garden. First, let me tell you the difference between straw and hay. Straw is the stalks or stems of grains like wheat, barley, or oats after the grain has been harvested. Hay is grass or legumes that have been cut and dried and is generally used as animal feed.
Straw is an agricultural by-product, the dry stalks of cereal plants, after the grain and chaff have been removed. Straw makes up about half of the yield of cereal crops such as barley, oats, rice, rye and wheat. It has many uses, including fuel, livestock bedding and fodder, thatching and basket-making. It is usually gathered and stored in a straw bale, which is a bundle of straw tightly bound with twine or wire. Bales may be square, rectangular, or round, depending on the type of baler used.