Moving home

A man and his wife, moved back home to North Carolina, from Texas. The wife had a wooden leg and to insure it in Texas Was $2000.00 a year!
When they arrived in North Carolina, they went to an insurance Agency, to see how much it would cost to insure the leg.
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 North Carolina to insure, because it cost him $2000.00 in Texas!
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