yearly Crop Hail Insurance Policies

Crop Hail Insurance Policies

Hail storm damage can be partial or total. Regardless of the extent of the damage, it is always costly and all the good farming practices in the world won't prevent it. Crop hail insurance provides acre-by-acre protection up to the actual cash value of your crop, thereby protecting your investment and your future.

How do I decide which crop hail coverage to purchase?

Hail is a disaster that completely destroys part of your crop and leaves the rest undamaged. Acreage and loss of crop yield due to hail may be less than your federal crop insurance policy's deductible or may not reduce your yield enough for a revenue protection insurance policy to protect your profits. Crop hail insurance can fill that gap.

While federal crop policies protect you against losses severe enough to significantly reduce the yield per insured unit, crop hail insurance gives you acre-by-acre protection up to the actual cash value of the crop. Crop hail is particularly important for those with area plan policies such as ARP, ARP-HPE, or AYP that expose individuals to hail losses.

You can purchase additional crop hail insurance coverage during the growing season (prior to damage) to protect additional profits from large crop yields or higher-than-usual crop values. Even if your hail damage frequency is low, remember that crop hail coverage is rated for your area, and there are various deductibles to meet your budget. This is an inexpensive way to protect against hail damage.

Benefits of buying crop hail coverage

Benefits of crop hail insurance include:

Protects profits

The shelter facilitates pre-harvest crop sales

Protect crops up to full cash value

Acre-by-acre coverage provides protection against individual damage

A loan can be used as collateral

Flexibility

How Crop Hail Insurance Works

Your trusted ProAg agent works with you to design crop hail coverage that fits your risk management strategy and flexible deductibles allow you to keep your crop hail policy priced to meet your budget.

Your crop hail insurance policy may provide coverage for perils other than hail. In many areas, basic crop hail coverage includes:

Fire and lightning

Transportation

Reimbursement of replanting costs

Carry coverage

Vandalism

Stored grain protection

Get the plan

ProAg offers crop-hail schemes ranging from Basic Hail to a variety of sub-schemes specific to each state. Not all plans are available in all states; However, ProAg has designed plans to meet the needs of policyholders in each state and territory. By working with your trusted ProAg agent, you can determine which plan best meets your risk management needs for the current insurance year.