As a farmer, there are several things you're responsible for handling from sunup to sundown. If you want protection for all your hard work, then you'll need to understand what's necessary. Mississippi business insurance can help protect your bounty with crop-hail coverage.

A Mississippi independent insurance agent is your ticket to a better policy for a low price. They have a network of carriers so that you are presented with options. Connect with a local expert to get started in minutes.

What Is Crop-Hail Insurance?

Many farmers may not be aware that their crops are covered under a separate policy. In addition, crop-hail insurance is a different policy from standard crop coverage. Crop-hail insurance is very specific and protects only against hail damage.

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

The value of private crop-hail insurance coverage is $81,300,000. Crop insurance costs vary from farm to farm. Still, it's good to have an understanding of how premiums look overall. 

What Does Crop-Hail Insurance Cover in Mississippi?

Your crops are a source of income for your farm, and protecting them is necessary. You'll want to understand how your coverage works. Take a look at what your crop-hail insurance does and doesn't cover below.

What crop-hail insurance covers:

• Hail damage to your crops from severe weather.

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

While it's key to know what your policy protects against, understanding what it doesn't is essential. 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.
• 20% of your crop value: There can be a type of coinsurance on a crop insurance policy where you'd owe the first 20% of the claim. The insurance company would cut you a check for the remaining 80%.
• Fire: Coverage for a fire loss to your crops will be covered 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?

Every farm will have different risk exposures when it comes to its crops. You may only have a few acres of product, or thousands. Either way, you'll need to be prepared and know how your coverage works. 

Your independent insurance agent will need to know the following to get started:

• 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 are crops 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)

Hail damage to your crops could wipe out an entire season. If you're serious about making an income off your harvest, then you'll want proper crop-hail coverage. You can discuss the dollar amount of product you'll want coverage for with a licensed adviser. 

How an Independent Insurance Agent Can Help in Mississippi

When you're searching for the best farm protection out there, consider using a trained professional. Crop-hail insurance is just one of the many policies you'll need to look at when deciding on coverage. Fortunately, you won't have to do it alone.

A Mississippi independent insurance agent can help you find farm policies that won't break the bank. They even do the shopping for you for free, saving you time and premium dollars. Connect with a local expert on TrustedChoice.com for custom quotes today.