Crop Hail Insurance

Crop hail and multi-peril crop insurance

Crop Insurance from the #1 Farm Insurer in Wisconsin

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

We know that the livelihood of farmers can depend on 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.

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

Multi-Peril Crop Insurance

Insurance protection for your crops from unavoidable loss of production due to a wide range of natural causes. Unit coverage is available on insured crops. Available in Wisconsin are:

  • Catastrophic
  • Buy up
  • Crop revenue coverage
  • Group risk plan

Farm insurance from leaders in the field

As a company founded by farmers, for farmers we’ve long understood the unique needs of farms and the people who work hard every day to make a good life for themselves and their families.