A Crop Hail policy is a very inexpensive
way to add individual acre protection for hail and fire to an existing MPCI policy or it can be purchased as a stand alone
policy for your protection needs.
No Federal Subsidies involved in these policies, thus rates are competitive in the private insurance
market. This equates into lower rates.
Added Endorsements provide several additional
features that can add other covered perils to your policy. Some policies can provide theft, vandalism, upset and overturn, storage/dryer fire
and bin spillage.
Wind damage protection
can also be added to your policy for a small additional premium. Green Snap and Direct Ear Loss due to high winds can be added
as an endorsement to a Crop Hail Policy to lessen the risk of high wind's damaging effects.
EACH INDIVIDUAL ACRE stands alone compared to farm units with
a MPCI policy. Coverage can be purchased based on your desired Dollar Per Acre needs. Claims are calculated based on
the amount of coverage purchased. EXAMPLE: Insured purchases $500.00 per acre of coverage. A professional crop hail claims adjuster
determines that you have sustained a 50% loss. Your indemnity payment is $250.00 per acre damaged. 10% damage would be
a $50.00 per acre indemnity payment.