HAIL INSURANCE
Crop Hail Insurance covers crops on a per acre basis, so even if only a portion of a field is damaged by a hail storm, you still have coverage. Losses are determined on a yield loss basis so even if a plant is not destroyed by hail, if its ability to yield a crop is compromised, a loss would be paid based on the severity of the damage and how many acres were damaged.
BENEFITS
With high inputs and even tighter margins, an inexpensive crop hail policy is one way to protect your crop. Crop hail is available for many crops, not just corn, soybeans, and wheat. Its available for crops ranging from forage, row crops, fruit, and vegetables.
A crop hail policy also covers more than just hail. Fire, lightening, vandalism, transportation from the field to first point of storage, debris removal, and clean-up of buildings blown into a field by wind may also be covered. Field corn also has additional coverage available for green snap, wind, extra harvest expense, and replanting if damage is due to hail.
If you contract or feed your crop, a loss from hail or wind damage could mean having to pay out even more in the fall when a contract is due or to buy quality feed to replace what was damaged.
Dakota Crop offers many different types of policies, both with and without deductibles so you can customize coverage to suit your operation and budget. There are also several discounts available including early pay and ACCURATE.