Always did find the Newfoundland Logic far superior to most others!!! ........thus: 'Wooden Leg Insurance' A man and his wife, moved back home to Newfoundland , from Ontario . The wife had a wooden leg and to insure it in Ontario it cost them $2000.00 a year! When they arrived in Newfoundland , they went to an insurance agency, to see how much it would cost to insure. The agent looked it up on the computer and said to the couple, '$39.00.' The husband was shocked and asked why it was so cheap here in Newfoundland to insure, because it cost him $2000.00 in Ontario ! The 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 over it, is $39.00.*