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When you own or operate a farm or agribusiness, your financial life is at the mercy of fate. Various perils can affect your crop and income. To protect yourself, you need a reliable crop insurance policy. For those unfamiliar with the concept, Nebraska Crop Insurance Agency in Beatrice, NE, explains what crop insurance is and why you need it.

3 Important Reasons You Need Crop Insurance

1. Drought

Crop-insuranceCrop insurance protects you if your crop fails due to drought or is damaged by the weather. Some years, the rain just doesn't fall, wells dry up, and your crop withers and dies before a harvest is possible. In such cases, crop insurance protects you against the decrease in income such losses would otherwise entail.

2. Flooding

Other years, rain falls too plentifully. Rivers and lake waters rise, leave their beds, and flood your fields. Too much water can be even worse than too little. Ask your insurance agent how you can protect yourself, your business, and your family against crop damage due to flooding.

3. Hail Damage

Hail damage is common in the Midwest when the air's freezing altitude reaches 11,000 feet or lower. In fact, Nebraska is part of a region known as "Hail Alley" for the frequency and fierceness of its hailstorms. Typically, you can purchase a hail damage rider to your crop insurance policy that makes it financially feasible to file a claim — even if only part of your crop is destroyed by hail.

An experienced agent can help you design an affordable policy that covers you against all appropriate risks, including crop damage. If you are in the market for crop insurance to protect your farm or agricultural business, contact Nebraska Crop Insurance Agency in Beatrice, NE. To request a free online estimate, visit their website. To discuss your options with a friendly professional, call (402) 223-2694 today.

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