Here are just a few of the many reasons that make Farmers Mutual Hail the top Crop Hail writer in the industry:

• Fall Premium- cash discount available in most states.
• Same day protection may be available.
• No value clause.
• No pro rata clause (other insurance does not affect hail payment).
• Full and deductible coverages available.
• Soybean coverage- broad form.
• No soybean replant clause (MN, ND, SD optional soybean replant clause).
• No corn replant- FMH pays the loss.
• Catastrophe allowance offered on most policy types.
• Vandalism and malicious mischief offered- $50 minimum per occurrence.
• Termination of all coverages- December 31. Exception: Special Crops, Greensnap, and Greensnap Extra
• Fire protection included at no extra charge.
• Over 600 qualified adjusters.
• Full-time field supervisors within your respective area.
• Companion policy available.
• Harvested crops covered while in transit.
• Premium Modification Plan offered in most states.
• Stored Crops included.
• Green Snap coverage for field corn in most states.

• Simplified Forms (Preprinted Application & Amendments).
• Easy to understand rates.
• Minimum record keeping.
• Policies mailed directly to insureds…Including a loss report card.
• Premium billings direct from Home Office.
• Notice of settled losses to agent.
• Policy expirations are the sole property of agent.
• Co-op advertising, sharecost advertising, and production contests.

Reasons agents prefer Farmers Mutual Hail:

• Direct Bill - FMH does all the billing and notifies the agent if there are any late payments.
• Preprinted Amendment - Agent receives preprinted amendment forms to accommodate the servicing of all policies in force, including expired policies renewed prior to December 31.
• Early Season Coverage - Provides protection to all accounts in force.  Renewing expired policies in the fall, prior to the expiration date, assures this coverage.
• Simplified Forms - Applications and amendments are easy to complete and simple to understand.
• Service - A knowledgeable field and office staff is anxious and committed to serving your needs.  Let us assist.
• Stability - Farmers Mutual Hail’s financial stability has earned an “A” (Excellent) or better rating by the A.M. Best Insurance Guide for over three consecutive decades.

• Professional Agency force.
• Excellent service.
• Financially stable company.
• Well-educated and trained adjusting force, field force and office staff.
• Quality policy.
• Competitive rates for value received.
• A mutual company specializing in crop hail.
• Supporting members of these agricultural organizations:
  • FFA
  • Corn Growers’ Association
  • Soybeans Association
  • Pork Producers