When you're a farmer, there aren't a lot of breaks in the day. You're responsible for your harvest from dawn until dusk. Mississippi business protection can help cover your bounty with crop insurance.

A Mississippi independent insurance agent is your adviser when providing proper limits of coverage. They work with several carriers to suit your needs and budget. Connect with a local expert for custom quotes to get started.

What Is Crop Insurance?

If you have crops in Mississippi, then you'll want the proper protection in place. A storm or other loss could wipe out your livelihood faster than you could imagine. 

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

The cost of crop insurance varies from carrier to carrier. Your premiums will depend on your exact exposures. 

What Does Crop Insurance Cover in Mississippi?

It's necessary to protect your crops from the elements. First, it's essential to understand what your crop insurance covers in Mississippi.

• Crop insurance: This policy will protect your crops from risks such as fire, severe weather, flooding, theft, vandalism, and more. When a loss occurs, the carrier will provide the funds to replace your crops.

What Doesn't Your Mississippi Crop Insurance Cover?

Every policy will come with a list of losses it won't insure. Take a look at one standard exclusion when it comes to your Mississippi crop coverage:

• 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%.

How Does Crop Insurance Work in Mississippi?

Your Mississippi farm may  have only a few acres, or hundreds. Whatever the size, you'll want to be fitted for the right protection. The proper coverage comes from knowing your crop specifics. 

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 crops are worth: How much will it 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?

Distribution of all US crop areas harvested last year, by species (in 1,000 acres)

Crops are what make the world go around, and they're important all over the world. Coverage for your prized agriculture is needed if you want to avoid a loss on the books. 

How an Independent Insurance Agent Can Help in Mississippi

When you're searching for the perfect crop insurance in Mississippi, consider using a licensed professional. A farm has a lot of moving parts, and your harvest is a significant exposure. You'll need to be prepared for natural disasters, severe weather, fire, and drought when you're caring for luscious crops.

A Mississippi independent insurance agent can help you find a policy that fits your farm at an affordable price. They'll even do the shopping for free so that you can save. Connect with a local expert on trustedchoice.com for tailored protection.