30 Jan 2014 James



Middle-earth can be a dangerous place: between Ringwraiths, Balrogs, orcs and fire-breathing dragons, it’s a wonder anybody ever gets time to sit down and enjoy a nice second breakfast. And yet, for all of Tolkien’s exhaustive window-counting attention to detail, we don’t hear much about the practicalities of life in the realm – such as, for instance, how much does Bilbo Baggins pay to insure his hobbit-hole, and does he get any discounts for Hobbiton’s low crime rate?

Well, wonder no more: we’ve put Bag End through the insurance assessment process to calculate the annual rate the modern hobbit pays to protect their pride and joy.