Row Crop Insurance
From corn and soybeans to sugar beets and potatoes, row crops offer a huge variety of incredible tastes and a host of products to choose from. We know row crops drive agriculture forward, and by protecting you – the farmer – we’ll help you to keep food on America’s table. Scott Colville Crop Insurance has decades of experience to draw from to help you navigate your options and find the right row crop insurance for your farm. We know you work in the margins, so talk to the experts at Scott Colville Crop Insurance to find the best subsidies for your row crops and maximize your revenue today!
Row Crops Insurance
Row crop farmers need specialized row crop insurance coverage because of the unique methods through which these crops are grown and harvested. While perennial crops may take years to harvest, row crops are grown in rows and harvested annually. That yearly reliance is why it’s so important to have row crop insurance coverage. They’re the kind of crops you can’t afford to not ensure.
Row crop farming losses are usually caused by major events or catastrophes that are sadly unavoidable and usually beyond your control as a farmer. For example, natural disasters such as a drought, freeze, and plant and soil disease can be devastating for row crops. This is why row crop farming insurance is so important. You need to think about things like corn coverage and sugar insurance if you want to keep your crops safe. That’s why we offer policies related to adverse weather events, such as the inability to plant that season due to excess moisture, or loss due to the quality of the crop. Row crop insurance also offers coverage for loss of revenue due to price volatility in the markets.
Federal Crop Insurance: Leveling The Agriculture Playing Field
Due to the high-degree of risk associated in the row crop forming industry – especially in comparison to other agricultural producers nationwide – the government has entered into a partnership with private Approved Insurance Providers (AIPS) to offer crop insurance on an equal-opportunity basis to agricultural producers nationwide. AlPs use independently licensed agencies, like Southern Farm and Wind Insurance, to make Federal Crop Insurance available to farmers and ranchers everywhere.
Crop Insurance Considerations
Crop insurance is utilized on a majority of row crop acres in Michigan and other states. If you have crop insurance, use the Revenue Guarantee coverage level to help determine minimum expected revenue. If you’re unfamiliar with all this, that’s OK. Give us a call and we’ll walk you through it.
Which row crops do you offer insurance for?
Keep in mind that every county insures different crops. You’d have to call us to find out what specific crops are insurable in your county. But generally speaking, the main ones we insure are corn, soy beans, dry beans, barley, oats, potatoes, hemp, cucumbers, onions, peas, and sugar beats.
Do I have to ensure all my crops?
It depends. The simple answer is no, however, there are some benefits to ensuring all your crops, especially when it comes in the form of disaster payments from the government. If you have disaster payments, you typically don’t get paid for anything you don’t have ensured. Basically, if you don’t have everything ensured, your eligible acres could be affected.
If I have MPCI (multi-peril crop insurance) with one agent, can I get hail coverage through a different agent?
Yes, you can. We have many customers who have their hail insurance with us, and their MPCI with someone else. We actually offer both.