A day in the life of a farmer is often long and filled with challenges. The elements can wreak havoc on any crop and cause a financial deficit that could be hard to recover from. Mississippi business insurance can help protect your crops from severe weather through crop-hail coverage.

A Mississippi independent insurance agent will have access to several carriers at once so that you have options. They'll even do the shopping for free, making it a no-brainer. Connect with a local expert for custom quotes in minutes. 

What Is Crop-Hail Insurance?

When you operate a farm in Mississippi, your crops could be improperly insured. A mistake occurs when farmers think their primary farm policies cover their crops for everything, and they don't. 

Value of crop insurance premiums in the US within the last year, by crop (in million US dollars)

The cost to insure your crops will vary from carrier to carrier. Crop-hail insurance is a policy all on its own and comes with a separate premium amount. 

What Does Crop-Hail Insurance Cover in Mississippi?

If your farm plants, grows, and sells crops, then the right coverage is needed. You'll want to understand how crop-hail insurance works and what it covers.

What crop-hail insurance covers:

• This policy is separate from your other crop and farm insurance. It pays for the replacement of a crop due to hail damage. 

What Doesn't Your Mississippi Crop-Hail Insurance Cover?

In Mississippi, $3,120,632,000 in commercial insurance claims were paid in 2019 alone. Some coverages might need to be added, while others will fall to your expense. Take a look at some standard exclusions when it comes to your crop-hail coverage:

• Flooding: Flooding is typically insured under your regular crop insurance policy. Not all flooding is covered by crop insurance, so knowing your policy offerings is imperative.
• 100% of your crop value: Crop-hail is available up to 100%. It's often bought as a supplement to multi-peril crop insurance because it can cover smaller losses.
• Fire: Coverage for a fire loss to your crops will be included under your primary crop policy.
• Theft or vandalism: Theft or vandalism of your crops is covered under your primary crop policy. 
• Other severe storm damage: Severe storm damage is covered under your primary crop policy.

How Does Crop-Hail Insurance Work in Mississippi?

Your Mississippi farm will have several risk exposures. Your crop-hail insurance is a very specific policy that really only covers losses to your crops that involve hail damage. To better protect your crops from all elements, you'll want to tell your agent the following:

• Your crop specifications: What are your crops, where will you be storing them, how much is there, and how many acres will your crops occupy?
• What your crops are worth: How much it will cost to replace your crops before, during, and after the final completion of your product.
• What preemptive protection you have in place: Are there special measures you take to ensure that your crops are safe from pests, wild animals, and predators? Are you using pesticides? What equipment are you using to care for your crops? Where are you storing your crops after growing and before distributing them?

Crop damage from hail in the US in recent years (in million US dollars)

When it comes to your farm's crops, more damage could be done than just hail. For an agent to properly assess all the necessary coverage, they'll need to know the risk. 

How an Independent Insurance Agent Can Help in Mississippi

Your Mississippi farm may have several moving parts. This can make finding the right coverage tricky if you're not a licensed professional. While predicting the future may not be possible, preparing for all the what-ifs your farm may sustain is. 

Fortunately, a Mississippi independent insurance agent can help you find the perfect crop-hail policy for an affordable price. They'll even do the shopping for you at no cost. Get connected with a local expert on TrustedChoice.com and start saving today.