Know what your crop hail insurance covers and what types of situations apply:
Hail—covers the growing crops specified at the location described in the policy for the direct loss of crop yield due to hail
Fire or lightning—coverage includes damage by fire unless caused by insured’s neglect, when endangered by fire from neighbor’s property, or other stated causes in the policy
Vandalism—coverage includes damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee
Damage by non-owned vehicles—coverage includes damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee
Tip-overs—covers loss from overturning of any vehicle on which the insured crop is transported (coverage provided to first place of storage, limited to 50 mile radius)
Replanting allowance—covers portion of replanting cost from hail damage
Crops Covered
Field crops—including, but not limited to alfalfa, barley, broom corn, buckwheat, clover, field corn, flax, grain sorghum, oats, popcorn, soybeans sunflowers and wheat
Truck crops—including, but not limited to cabbage, canning peas, carrots, cucumbers, floral stocks, green beans, melons, mint, onions, potatoes, pumpkins, squash, sweet corn, tobacco (requires its own policy) and tomatoes
Fruit crops—including, but not limited to apples, berries, cherries, cranberries and grapes
