Hail is the one catastrophe that is most likely to totally destroy a part of your crop and leave the rest looking fine. If you have ever been hit by hail, think about it, it jumps from here to there. The part hail takes out may be less than the deductible of your MPCI policy or it may not lower your yield enough for a revenue insurance policy to kick in.

But here is the KICKER, crop hail insurance fills that gap!

While MPCI and revenue protection policies protect you against losses severe enough to significantly drop the whole farm's average yield, crop-hail insurance gives you acre by acre protection that can be up to the actual cash value of the crop.

Now, if you buy 65/100 [65% of yield and 100% of price] or even greater for your MPCI, you can delete the hail coverage and replace it with PRIVATE HAIL COVERAGE. When you do this, the MPCI premium is reduced, making the PRIVATE HAIL COVERAGE EVEN MORE AFFORDABLE. Others find it more affordable. However, it is more effective to keep the MPCI or revenue insurance hail coverage and buy the additional crop-hail coverage.

You can also buy additional crop-hail coverage DURING the growing season [prior to damage] to protect added profit potential from bumper crop yields or higher-than-nomal crop values.

If you live in an area where the frequency of hail damage is high, let us know. We can show you how crop-hail coverage can best work for you.

You can always contact us directly with any questions and one of our agents will assist you.