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Crop-Hail Insurance

Features

  • Range of coverage options
  • County blanket coverage
  • Replant payment alternative
  • Premium waiver for accidental death**

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Crop-Hail Insurance

Be more prepared. Feel more secure all season long.


Why Crop-Hail Insurance?

From planting through harvest, a lot of things can happen. Crop-Hail Insurance from John Deere Insurance Company* builds on the coverage provided by your MPCI policy, with the convenience of one application, one bill and one company with the service you can rely on every season.

Our Crop-Hail insurance options include Standard, Companion and Production Plans to provide a range of coverages to help keep your operation protected. With these three choices you can get the right coverage to meet your individual needs at a price that is right for you.

Every one of our crop-hail options includes additional coverages at no extra cost to you:

  • Fire and lightning damage
    Covers damage before and during harvest and while your crop is in the harvester. This includes crops in small grain stubble.
  • Fire department service charge
    Pays up to $500 when the fire department is called to save or protect your insured crop.
  • Vandalism and malicious mischief
    Covers damage before and during harvest and while your crop is in the harvester.
  • Transit accident
    Limited coverage for crop damage from transit accidents that occur in crop transport from the field to the first place of storage or processing.
  • County blanket
    Insures all acres of your crop in a county.
  • Coverage for substitute crops
    Prior to receipt of the insured's coverage amendments for the subsequent crop year, we will automatically insure your MPCI insurable crop not grown the previous crop year.
  • Replant payment alternative (Standard Crop-Hail only):
    If a qualifying hail event occurs requiring you to replant the crop, you have the option of choosing between indemnification for:
    1. The actual cost to replant, up to 20 percent of the limit of insurance – and no reduction of coverage for the subsequently replanted crop; or
    2. Replanting at your own expense, and collecting an indemnity payment based on the actual original lost crop.
  • Premium waiver for accidental death**
    Payment for loss of life by accidental means while carrying out work related to your farming operation.
  • Stored crop coverage (Standard Crop-Hail only):
    Covers injury, deterioration or diminution of harvested grain while in storage when caused by events such as fire, hail, windstorm or flooding.

**Not Available in Kansas.

Note: Policy provisions supersede information noted.


How the Standard Crop-Hail Plan works

The Standard Crop-Hail Plan provides protection against physical damage to your crops from hail or other named perils. This acre-by-acre coverage provides protection for isolated damage due to insurance perils and works with every MPCI policy. With Standard Crop-Hail Plan:

  • You are entitled to an indemnity when the damage due to an insured peril equals or exceeds 1 percent of your selected deductible.
  • The payable loss will be the assessed damage plus any extra allowance that may apply.
  • Additionally, it can stand alone or may be written in conjunction with an MPCI policy.

The benefit of the Standard Crop-Hail Plan is that it can be used to cover up to the full value of the crop.

Your John Deere crop insurance agent can help you choose the plan options and deductible levels that best fit your farming operation.

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How the Companion Crop-Hail Plan works

The Companion Crop-Hail plan is designed to protect the portion of your crop not covered by your MPCI policy protection (your MPCI deductible) against physical damage from hail or other named perils. Your crop is still protected on an acre-by-acre basis and thus provides protection for isolated damage due to an insured peril. Generally avoids duplicate coverage for hail under your MPCI policy; must be written with an MPCI policy. With the Companion Crop-Hail Plan:

  • You are entitled to an indemnity when the damage due to an insured peril equals or exceeds 1 percent of your selected deductible.
  • The payable loss will be the assessed damage times the increasing payment factor for the Companion Crop-Hail Plan you select.

The benefit to the Companion Crop-Hail Plan is that it can be used to protect the portion of your crop not covered by your MPCI policy.

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How the Production Crop-Hail Plan works

In conjunction with your MPCI policy, the Production Crop-Hail Plan is used to cover actual production deficiencies due to a hailstorm or other named peril. Plans are available in some areas to enable you to cover your entire Actual Production History (APH) even after application of any deductible. After a qualifying peril has occurred, damage to the unit is assessed — with final adjustment deferred until after harvest. After harvest, the actual production deficiency for the MPCI unit (not by acre) that can be attributed to hail damage is used to calculate the loss under the Production Plan. Production deficiencies may also lead to indemnities from the underlying MPCI policy and plan.


The benefit of the Production Crop-Hail Plan is that the producer may be indemnified up to 100% ** of the value for the lost and/or damaged crop due to hail and is less costly as it pays only for actual production losses due to hail. With the Production Crop-Hail Plan you are entitled to an indemnity when:

  • Damage due to an insured peril equals or exceeds 5 percent of your selected deductible, and
  • The damaged MPCI unit has a production deficiency at the time of harvest. Unit production must be quantified prior to indemnity payment.

The Production Crop-Hail Plan is ideal for a producer who:

  • Looks at exposure on an aggregated basis as indemnity is paid on a UNIT basis, not an acre-by-acre basis.
  • Understands that a crop that has sustained a hail loss can recover through a growing season and in some cases, may harvest over its actual production history.
  • Is comfortable waiting until final unit production is determined prior to calculation and payment of any indemnity.

**This coverage pays for the upper portion of your crop not protected by your MPCI policy.

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