Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Crop Insurance

Farming generates rewards and risks. What crop insurance does is help farmers to mitigate potentially catastrophic losses.

Farmers face perils they cannot control, including drought, unexpected freezes, hail, flooding, disease, insect infestations, and severe winds. Each of these natural disasters could cause financial ruin, especially if crops suffer in successive years.

With your ZIP the FREE quotes tool you can get policy rates for needed insurance protection today!

Weather remains unpredictable, and natural disasters can strike at any time. Agriculture remains vital to national security, and the independent farmer has facilitated the growth of the nation.

When disasters strike farms, families face the risk of losing their homes, jobs, and assets instantly.

Customized insurance plans help farmers meet the challenges of farming with confidence. Crop insurance protects operations and annual profits, which often depend on a single crop’s successful harvest. Insurance coverage includes two basic policies that protect crops from unpredictable weather and other hazards.

Multiple Peril

Crop Insurance For Machinery

Multiple Peril Crop Insurance (MPCI) provides comprehensive coverage against most common crop threats, including plant diseases, insects, earthquakes, fires, floods, irrigation failures, wildlife damages, and adverse weather conditions.

  • Farmers estimate potential yield losses from their crop production histories.
  • Insurance premiums depend on the limits farmers select, and they can choose to insure certain percentages of their yield.
  • Farmers often work tirelessly under risky, marginal conditions. The government offers insurance subsidies by reinsuring private crop insurance policies, making premiums more affordable.

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Hail Insurance and Other Policies

Hail insurance requires a separate policy, but it can often be included as a rider in an MPCI policy. Hail can destroy an entire year’s crop, and a storm could occur at any time during the growing season. Hail insurance protects farms acre by acre.

Hail frequently leads to major claims, which is why insurance underwriters require a separate policy.

Hail policies often include additional protection against lightning, fire, wind, and vandalism.

  • Some policies offer coverage for harvested crops in non-commercial storage facilities and protection while shipping to commercial processors.
  • Companion coverage reduces premiums and the hail protection would have limits of one-quarter, one-third, or one-half of crop value. This alternative decreases risk, and it often covers the MPCI policy deductible.

Why Do I Need Crop Insurance

Production hail policies offer similar benefits to companion coverage, but farmers choose the percentage of crop protection. The MPCI policy offers basic protection, and the production policy helps cover deductibles. Production policies can actually insure above 100% of crop value, and they insure the whole unit, rather than an acre-by-acre basis.

Gingersnap coverage is an add-on rider that gives additional protection against wind damage from damaged stalks of immature corn. Typical wind coverage limits corn claims to mature corn.

Value of Online Tools

Online comparisons facilitate the complex process of finding a custom plan to suit individual needs. Farming conditions, historical weather data, geographical locations, and type of crops can make a tremendous difference in the insurance premiums farmers must pay. Online policy comparisons and adequate coverage could make the difference between a successful season and complete failure.

Online comparisons allow quick, efficient research of all the options. Insurance companies must meet state and federal requirements, and each state has different policies.

For example, hail policies can be purchased at any time, but states regulate how quickly policies must take effect. The differences may prove crucial.

Compare Prices to Save

Farmers who have reliable insurance can still save money by comparing policies, options, and companies. Conditions change from year to year, and levels of insurance risks change accordingly. The policy that offered the best coverage in years past could be costing more than farmers need to pay in the current market.

Do I Need Crop Insurance

Online searches make comparisons quick and comprehensive. Insurance companies adjust their premiums upward very quickly in response to claims. Comparisons can locate new providers that might offer better terms.

Farming might be a calling for some people, but it is also a business, and businesses need to investigate their options. Insurance needs change as years pass. Farms grow larger or smaller. Farmers might choose to change crops or allow acreage to go fallow for a year. These changes could reduce policy premiums.

Saving money always makes good sense. The best coverage at the best price is a benefit that needs no explanation.

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Estimating Tools

Estimating coverage limits, crop yields, anticipated values, and the likelihood of certain perils in a particular region make complicated analysis problems.High-tech calculators available online can help farmers accomplish these tasks quickly and professionally.

Farmers can choose from a variety of loss calculators, crop estimators, and tools to calculate crop yields in dollars.

Historical crop data, risk analysis, and price histories give farmers the tools they need to make informed insurance decisions.

Federal Subsidies and Historical Perspective

Farmers provide the goods and services people need to survive. Food and manufactured commodities depend on crop yields. Historically, the farmer has often faced devastating natural disasters. Droughts have plagued entire sections of the country, such as the Dust Bowl of the 1930s that cause astonishing ecological and agricultural damage to the American and Canadian prairies.

My Crop Insurance

In 1938, Congress passed the Federal Crop Insurance Act to address the problems of farming. Early programs failed because farmers had little experience with insurance and distrusted new programs. The law was updated in 1980 to assist farmers by providing direct insurance subsidies and indemnifying insurance companies so they could offer affordable coverage.

Insurance regulations have been updated several times since 1980, and more farms now take advantage of these valuable federal programs. Visit this website to learn about the federal crop insurance options.

The private sector brings free-market efficiency to insurance delivery systems, and the government supplies essential financial and regulatory support.

Participation rates grew to 30 percent in the 1990s. By 1998, over 180 million acres were covered by the insurance, tripling the coverage in just 10 years.

Current statistics show that over 240 million acres of farmland have been insured.

The government offers its insurance program in partnership with 15 private insurers. The Risk Management Agency helps determine insurance premiums based on individual risk scenarios.

Optional Insurance Coverage

Crop risks represent just a few of the potential problems that routinely face working farmers. Risk management advice, price comparisons, and research can help farmers protect their farms from a variety of threats. Optional insurance farmers might consider include the following protection. The American Association of Crop Insurers offer a blog here to help you stay up to date with the latest recommendations and changes in coverage.

Farmers Crop Insurance

Agribusiness- This comprehensive coverage protects business property, including dwellings, barns, lawns, shrubbery, trees and other structures.

  • Coverage could include personal property and furnishings.
  • Policis might include business equipment, farming tools and implements, and production machinery.
  • Living expenses, when homes have been rendered inhabitable by covered claims, might also be paid.

Livestock Coverage- This protection provides protection against herd mishaps for farmers that raise livestock for food, show, sales, or breeding purposes.

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Liability Insurance

Farmers Crop Insurance Coverage

This coverage protects farmers from the claims of farm visitors who suffer injuries or property damages. Many farms sell produce or allow consumers to pick their own fruit. Liability protection offers protection from a culture that seeks compensation for the smallest personal injuries, encouraged by lawyers that advertise representation without fees unless the lawyers win their clients’ cases.

Farmers face many challenges, but they have always met them in this country with independence, pride, and self-reliance. Crop insurance and other forms of coverage protect farmers from situations beyond their control, helping families hold on to a cherished way of life.

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