Crop Insurance from the #1 Farm Insurer in Wisconsin

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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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.

What is Multi-Peril Crop Insurance (MPCI)?

Insurance protection for your crops from unavoidable loss of production due to a wide range of natural causes.

Like all insurance, Multi-peril crop insurance (MPCI) is a risk management tool; a way for farmers to purchase protection and guarantees on a crop, in many cases, before its even in the ground. MPCI is designed to help farming operations weather the weather mother nature creates each year. Many weather events are covered under most MPCI policies for insurable crops; drought, excess moisture, disease, fire, insect damage, hail, wildlife damage, and more. Some MPCI plans with revenue protection also help protect against changes in the market price. Multi-peril policies are also combined with hail policies for even more complete protection.

Multi-Peril Crop Insurance  Individual Plans

These plans of insurance are based on an individual’s

  • APH (Actual Production History)

APH plan of insurance provides protection against a loss in yield. An actual yield that is less than a policy’s guaranteed yield would be paid a loss. (Available only on select crops). Pricing is set based on RMA price elections.

  • YP (YIELD PROTECTION COVERAGE)

YP provides protection (for many crops not covered under the APH policy) against a loss in yield. Pricing is set in based on Commodity Exchange Price Provisions (CEPP) determined prices.

  • RP (REVENUE PROTECTION COVERAGE) – Also available with Harvest Price Exclusion (HPE) option.

RP protections against a loss of revenue caused by price increase or decrease, low yields or in combination by guaranteeing a set revenue amount. Pricing is set in based on Commodity Exchange Price Provisions (CEPP) determined prices. HPE policies exclude the Harvest price.

  • WFRP (WHOLE FARM REVENUE PROTECTION)

For a farm with a wide variety of commodities produced, WFRP covers many commodities under a single policy designed around an operation’s revenue.