Brenham, TX, United States
Germania Mutual Aid Association. In 1894 Bartlett, Texas, merchant L. A. Niebuhr presented Waco attorney E. W. Hander with a plan to establish a farm mutual aid association to provide farmers insurance against losses due to fire, lightning, and storms. Hander initially dismissed Niebuhr's plan but i
n 1896 he agreed to draw up a constitution for the association. The organization of the Germania Mutual Aid Association took place in a schoolhouse in Perry, Texas, on August 31, 1896, with 34 members
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