Crop Hail Insurance from Wisconsin's #1 Farm Insurance

We are here to help you when the weather isn't!

When a farmer does everything right from selecting the best seed, planting at the perfect time, and feeding that crop throughout the season, the one thing no one can control is the weather.  And in Wisconsin, it’s hard to tell what the season will bring. Sudden events like thunder storms or forest fires can leave a devastating impact on your business. We are here to help protect what you work so hard for each and every harvest season.

More than just hail damage, Rural Mutual Insurance also covers crop losses caused by fire, lightning, transportation, vandalism and malicious mischief, and damage caused by non-owned vehicles.

In addition, if your crops are destroyed early in the growing season, our policy offers financial assistance for replanting expenses—with no reduction in coverage. Our Crop Hail policy also features convenient automatic renewal to provide you with protection, year after year.

Industrial Hemp Crop Hail Insurance

We now offer  a comprehensive Industrial Hemp Crop Hail Insurance Program. You choose which fields you wish to insure and the amount of coverage you would like per acre at an affordable cost at any time during the growing season. Reach out to your agent for more information.

Crop Hail Coverage

Know what your crop hail insurance covers and what types of situations apply:

Hail—covers the growing crops specified at the location described in the policy for the direct loss of crop yield due to hail

Fire or lightning—coverage includes damage by fire unless caused by insured’s neglect, when endangered by fire from neighbor’s property, or other stated causes in the policy

Vandalism—coverage includes damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee

Damage by non-owned vehicles—coverage includes damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee

Tip-overs—covers loss from overturning of any vehicle on which the insured crop is transported (coverage provided to first place of storage, limited to 50 mile radius)

Replanting allowance—covers portion of replanting cost from hail damage

Crops Covered

Field crops—including, but not limited to alfalfa, barley, broom corn, buckwheat, clover, field corn, flax, grain sorghum, oats, popcorn, soybeans sunflowers and wheat

Truck crops—including, but not limited to cabbage, canning peas, carrots, cucumbers, floral stocks, green beans, melons, mint, onions, potatoes, pumpkins, squash, sweet corn, tobacco (requires its own policy) and tomatoes

Fruit crops—including, but not limited to apples, berries, cherries, cranberries and grapes

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What is Crop Hail Insurance and what does it cover?

Wisconsin has experienced unusual and extreme weather in the past few years, including some severe hail and wind storms. Last year alone wind and hail caused significant damage to many fields across the state. In the last five years, Rural Mutual Insurance has paid over $6,000,000 in crop hail claims.

Learn from the Farm Experts

5% Farm Dividend Declared for 2020

Estimated $2.5 million to be paid out in 2020

For the third year in a row since Rural Mutual established the first-of-its-kind Farm Dividend Program, the Board of Directors declared a 5% dividend on all eligible farm policies to be paid in 2020. See how you can qualify!


Protecting the next generation of farmers

Together we can keep Wisconsin strong and safe

Farming traditions run deep in the state of Wisconsin and farm safety is a priority for farmers. Rural Mutual has been protecting farms across the state for over 80 years. We also believe in protecting the families and children in our farming communities.

Learn more about our safety initiatives by reading our farm safety articles, visiting the websites of our safety partners, or contact us. Request more information to support your safety programs or schedule a training seminar today.