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The late fire in Charleston--L and Insurance.

The disaster of the 11th and 18th of December, at Charleston, S. C., continues to be the all-absorbing topic of conversation in that city. The wild guesses as to the amount of property destroyed which were at first prevalent have given way before close and cool calculation, and we are now able to present some reasonable views of the amount of losses and insurance.

It is estimated that the loss in Real Estate is about $3,500,000. On this there was insurance for about $1,500,000, of which sum the local companies have borne the chief burden, holding policies to the extent of about $1,200,000, as follows:

Charleston Insurance and Trust Co.$545,000
South Carolina Insurance Co.300,000
Fireman's Insurance Co.260,000
Elmore Insurance Co.65,000

These amounts will swallow up the capital stocks and surplus of each of the three first-named institutions. Add to these liabilities the unearned premiums on the remaining policies, and the assets must fall short. Each of these companies have met and determined to go into liquidation. They will probably be re-established at an early day. The Elmore Insurance Company is a new corporation, and its losses are, therefore, comparatively small. Its capital will be scarcely touched.

The losses among the agencies out of South Carolina have been about $300,000. Of this sum Mr. Taylor's agencies, with a gross capital of $1,500,000 loses less than $75,000; and we are glad to learn that already the President of one of the Companies he represents has come to the city in person with ample funds to meet all claims.

The losses in Mr. Lee's agency of the Augusta Insurance and Banking Company are not yet ascertained, but the amount is estimated to be in the neighborhood of $80,000.

Messrs. W. M. & J. C. Martin's agencies, representing a capital of $600,000, have lost only $21,000.

Mr. C. A. DeSaussere's agency of the Southern Mutual, is a loser to some extent, but we have not been informed of the amount. This, and the sums lost by other agencies, will swell the total to more than $1,400,000.

Mr. Ulysse Veuve, King street, has suffered very severely. Besides losing his clothes, furniture, jewelry, tools, &c., amounting to $21,000, $4,000 in bank bills, which he intended to invest in property, were consumed. No insurance.

In estimating the losses at $3,500,000, we do not include a very large amount which may be allowed for furniture, clothing, works of arts, wines, &c. Of the latter article, alone, we heard of 60 dozen Madeira in one cellar, bottled at different periods in the first quarter of the present century.

The destruction of books has been a very heavy item of the losses of personal property. At this time it is impossible to get particulars, either as to their number or value. The theological library, at Bishop Lynch's residence, was probably the most costly collection of those lost, being valued at $35,000. Many of the books which it contained were exceedingly rare, and cannot be replaced. The gem of the collection was an old Polyglot Bible, in six large folio volumes, which was the only copy of that particular edition this side of the Atlantic. At was valued at $1,000. The number of law and scientific works which have perished is very great--Dr. Myduleton Michelle lost his medical library, consisting of a most valuable collection, gathered during a five years residence in Paris. The manuscripts of a work on Hernia, which has occupied his attention for fifteen years past, was consumed.

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