Wooden Leg

A man and his wife, moved back home to Wellington, from Sydney.
The wife had a wooden leg and to insure it in Sydney was $2000.00 a year!
When they arrived in Wellington, 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 Wellington to insure, because it cost him $2000.00 in Sydney!
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.*


Whitesnakes do it better ...why wooden they?