When you're a farmer, your crop is your livelihood and also provides for many others. But, what would happen if a fire broke out or the area flooded? Unfortunately, natural disasters are unexpected, but crop insurance is there to protect you in times of need. The team at Nebraska Crop Insurance Agency has been helping Beatrice, NE, farmers protect their crops for over 30 years.

Here, they explain what crop insurance is and how it can help you:

What Is Crop Insurance?

This is a type of coverage intended for farmers. It not only helps give peace of mind, but it also provides security for you and your family when you need it most. Most Americans rely on products that are made through farmers, and this coverage was created to protect those goods and provide assistance to get the crops growing in case of disaster. 

Why Do I Need It?

Because crops grow mostly outdoors, unexpected weather can greatly damage what you've worked so hard to create. If a hail storm ruins the produce you've grown, having this insurance will ensure you are supported financially to regrow the crops. It protects against frost, insect damage, fire, drought, flooding, and other weather-related disasters.

How Does It Work?

You'll first talk to your local insurance agent to help get you started on finding the right policy. Here are two types of crop insurance: Crop-Hail and Multi-Peril Crop Insurance. Crop-Hail is only available through a private insurer and is important to have if you're in an area commonly affected by hail. That insurance can be purchased year-round. Multi-Peril Crop Insurance has to be bought before any crops have been planted, but it provides the most comprehensive coverage. It's backed by the federal government and is there to help through natural disasters, low yields, and market price changes.

If you're looking to find the right crop insurance coverage, visit the trusted team at Nebraska Crop Insurance Agency. With a commitment to ensuring each client understands their insurance options for their needs, you can rest easy knowing you're always covered if disaster strikes. For more information on policies offered, visit them online or call (402) 223-2694 to set up your consultation today.