Crop Insurance in Central Valley and Central Coast, CA
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Crop Insurance Quote Forms
Crop Insurance Information
Planting, nourishing and harvesting crops can be rewarding and lucrative, but constant risks and exposures can also make this lifestyle unpredictable. For farmers, ranchers and others in the agricultural industry who depend on crops, it’s essential to maintain robust loss control practices capable of rendering financial aid during difficult times. With that in mind, crop insurance may be an invaluable investment.
What Is Crop Insurance?
As its name suggests, crop insurance is a type of coverage to protect those in the agricultural industry from crop-related financial losses. Farmers, ranchers and others who depend on growing crops can financially protect their harvests from many common risks and exposures by purchasing and maintaining a crop insurance policy. If a covered event leads to crop losses, such coverage may render critical financial aid.
What Does Crop Insurance Cover?
Businesses that depend on crops should familiarize themselves with the coverage offered by the following primary forms of crop insurance:
Crop-hail insurance—It may also be possible to purchase supplemental coverage for hail through crop-hail insurance. Because hail may only strike one area of a farm or ranch, resulting losses may not meet an MPCI policy’s deductible. However, many crop-hail policies have very low or even no deductibles, making it easier to recoup localized losses.
Crop revenue insurance—This coverage can help those in the agricultural industry recoup losses during years with lower crop yields or when the market prices of crops are lower than usual.
Who Is Eligible for Crop Insurance?
Most crop insurance is acquired as part of the Federal Crop Insurance Program. This government-regulated initiative works with private-sector insurers to offer coverage to agricultural farmers and ranchers throughout the United States. It should be noted that the government establishes deadlines each year for MPCI policies to be purchased. Coverage must be acquired by that date and before the policyholder has planted crops. The availability of specific crop insurance policies may vary by state and county.
Get the Right Coverage
At Mitchell Insurance Services, we have nearly 20 years of experience helping individuals, families and businesses secure their finances with optimal coverage solutions. We will work with you to assess your circumstances, explore options, and craft suitable policies. Visit our website or call 559-713-1315 to get started today.