Hail Coverage Built For Row-Crop Farms
Fast Coverage For Fast Storms
A 20 minute hailstorm can undo a season’s work. Crop hail insurance provides targeted protection for hail damage, often with options for fire, lightning, or transit. Bath Insurance Group helps farmers add flexible hail coverage that can pay even when damage is isolated to a single field.
What Crop Hail Policies Cover
Crop hail insurance is named peril coverage focused on hail, with many carriers offering extensions for fire, lightning, and harvested crop transit. If a storm shreds corn leaves or bruises soybean pods in a single township, a hail policy can pay based on percent damage in that field, regardless of total farm yield.
Why Add Hail To Multi-Peril Plans
Federal multi-peril policies list hail as a cause of loss, but payouts depend on overall unit yield. A separate hail policy can respond to spot damage that does not pull your unit below its guarantee. This is especially helpful when pop-up storms create narrow damage paths that only affect part of a field.
Flexible Amounts By Crop and Field
Choose a dollar amount of coverage per acre based on potential crop value. Many farms insure high yield fields more heavily or focus on hail prone areas near open ridges or river bottoms. Premiums are quoted per 100 dollars of coverage so you can scale protection to your acres.
What Hail Insurance Costs
Hail insurance is typically affordable because you choose the dollar amount per acre and the specific fields to cover. Rates vary by crop and risk profile. We will provide per-acre quotes for corn and soybeans, then help you compare cost versus potential payout so you can prioritize the fields where coverage delivers the most value.
Answers to Common Hail Questions
Do I need hail if I carry multi-peril
Yes if you want spot damage protection that does not rely on farm wide yield loss.
Can I insure only part of my acreage
Yes. You can target select fields and set different amounts.
When is the purchase deadline
Hail can often be added during the growing season as long as a storm is not imminent. Earlier is better for full season protection.
Does hail include wind coverage
Some policies include wind endorsements. If not, ask about separate wind or green snap coverage.
How do I file a hail claim
Call right after the storm. An adjuster inspects bruising and breakage. Claims are usually settled quickly.
Protect Your Fields Before the Next Cloud Builds
Hail strikes without warning. Bath Insurance Group will set clear limits, premiums, and response steps so you are ready long before storm season.
