Crop-Hail coverage provides protection against physical damage from hail and/or fire. Other coverages provided include fire department service charges, transit coverage to the first place of storage, catastrophe loss award (most coverages) and replanting coverage (most crops). Options exist in some areas for other perils such as wind and theft.

Crop-Hail can be used along with MPCI or other comprehensive coverages to offset the MPCI deductible and provide protection up to the actual cash value of the crop. Coverage is provided on an acre-by-acre basis, so that damage that occurs on only part of a farm may be eligible for payment when the rest of the unit remains unaffected.

If a grower has coverage and bumper crop yields or higher prices become apparent, coverage can be increased during the growing season to cover the value of the crop. may be eligible for payment when the rest of the unit remains unaffected.

Dollar Guarantee

A dollar amount of coverage per acre is selected by the grower. Options with different deductibles may be selected to permit a grower to partially self-insure for reduced premium costs.

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How It Works (corn illustration)

Coverage Details		Loss Payment
$250 of coverage per acre		Dollar Guarantee	(20 A. × $250/A.)=$5,00
No-deductible policy		% of Loss	40%
20 acres of damaged corn		Loss Payment	($5,000 × 40%)=$2,000
Hail caused 40% damage
100% Ownership