What are Crop Coverages?

By Evan Parsons

Farmers can never be sure that their crops will always be free from harm. Many things can interrupt the cycle of agriculture. One of the most common causes of destruction to crops is severe weather. Wind storms can cause plants to be pulled out of the soil, tornadoes can harm animals on the farm, a drought can stop crop growth and flooding can cause just as much damage. 

There are even more threats to a farmer, including hail damage, fires, freezing of crops and bug infestation. Damage to crops results in a loss in revenue and can cause financial problems as well.

But there are options a farmer can utilize to help offset these unplanned setbacks. Different insurance options for these situations include coverages like:

  •  Multiple Peril Crop Insurance 
  • Crop-Hail Insurance
  • Crop Revenue Coverage
  • Income Protection
  • Specialized Perils

Each farmer has to evaluate his or her circumstances and work with an agent to figure out what coverages the farmer ultimately wants to carry.

TrustPoint Insurance Agent Crystal Decker notes, “Crop insurance will cover your loss of crops and crop price fluctuations protecting your hard-earned revenue, but it does not cover the rest of your farm. You also need to protect your home and its contents, other buildings on your land, equipment, irrigation systems, combines, livestock and many other things you use to carry out your farming operations. That’s why it is a good idea to use crop insurance as an addition to a general farm policy.”Crop Coverage is an essential investment for farmers because they face so many risks. Insurance allows them to crop their produce as best as they can and know that they have a backup plan no matter what comes their way.

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