A crop-hail policy goes beyond simply protecting against the physical damages of hail. It also routinely covers fire. And, depending on the crop and the region of the country, this type of policy may also provide coverage for loss caused by lightning, wind, vandalism, and malicious mischief. However, these policies will never cover other weather-related risks such as sudden frost, drought, or excess moisture. Nor does crop-hail insurance cover the risk of changes in the prices of crops.

First, determine how much risk you have of a hail event. Ask yourself if you can absorb the loss if your crops incur hail damage. Then consult with your crop insurance agent to discuss the Crop-Hail policy choices and coverage levels available in your area that will most effectively meet your risk management needs.

Coverage is written on an acre-by-acre basis, which means a producer does not have to insure an entire farm. This allows the focus to be on at-risk areas.