Protection against physical damage from hail and/or fire, with other extended coverages like vandalism and transit risks at no additional cost to you.

FMH Exclusive

Crop Hail

PRODUCT BOOKLET

Crop Hail Overview


Most hailstorms last three to five minutes. In that time, Mother Nature can deal a crushing blow to your crops, your profits, and the future of your farming operation. Remove that risk today with Crop Hail coverage from Farmers Mutual Hail.

Crop Hail coverage provides protection against physical damage from hail and/or fire. Most FMH hail policies include extended coverages like fire and lightning, theft, vandalism and malicious mischief, and certain perils while in transit and storage at no additional cost to you.

How Crop Hail Works


  • A dollar amount of coverage is selected by the producer. Options with different deductibles may be selected to permit a producer to partially self-insure for reduced premium costs.
  • Coverage is provided on an acre-by-acre basis, so that damage that occurs on only part of a farm may be eligible for payment when the rest of the field remains unaffected.
  • Farmers Mutual Hail has a variety of hail coverages available depending on your specific needs: full, dollar/deductible, and companion.

Crop Hail Availability


Coverage varies by state, check with your FMH agent for availability.

What Are the Benefits?


CROP PROTECTION

Provides protection up to the actual value of your crop

SAME DAY COVERAGE

Same day protection may be available

NO PRO RATA CLAUSE

Other insurance does not affect hail payment

NO REPLANT CLAUSE

FMH pays the loss

NO VALUE CLAUSE

Claim is based on the value, not the actual harvested value

SUBSTITUTE CROP COVERAGE

Coverage options include replanting, planting a second crop, or purchasing additional coverage

FINANCIAL ASSISTANCE

Catastrophe allowance offered on most policy types

TERMINATION DATE

Termination date of all coverages is December 31 (see policy provisions for exceptions)

FLEXIBLE COVERAGE

Coverage can be increased during the growing season

FMH Protector

Combine your CROP HAIL and FEDERAL COVERAGE to receive these benefits from FMH

  • Less Paperwork: one application for both MPCI and Crop Hail policies
  • One Payment: your MPCI and Crop Hail premium payment is combined
  • Extended reporting dates beyond industry standards
  • County blanket coverage