Crop Insurance

What is Crop Insurance?

Crop insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.

​Common Types of Crop Insurance

Multi-Peril Crop Insurance
You have a big investment sitting out in the field and the weather can change as quickly as your financial stability if you suffer a loss on your crops.  Protect your investment from weather related yield losses as well as revenue losses due to decreasing market prices with Multi-Peril Crop Insurance through Nesbit Agencies.

  • Levels of coverage are available from 50% to 85%.
  • You can customize your protection by choosing the levels of coverage, unit designation, and other added features to minimize risk on your operation.
  • Your protection against yield loss is based on your actual production history (APH).
  • Coverage is available on most crops.

Crop-Hail Insurance
Hail is one of the most common weather conditions that can threaten your crops and your cash-flow.  In a matter of minutes, a hail storm can damage a few acres or wipe out a whole crop. Crop-hail insurance is an option to supplement your multi-peril insurance and maximize your coverage.  Whatever your situation, Nesbit Agencies has a solution for your farm.

  • You can choose a basic hail plan with no deductable or raise your deductable to decrease premium cost.
  • Coverage is provided per acre, so loss is paid on acres damaged.
  • You can insure only certain crops and/ or locations and you can determine the amount of coverage per crop and location.
  • Production plan hail insurance works with your Multi-Peril insurance and can gaurentee you up to 120% of your APH. You cover the “top end” of your expected yield.

Total Weather Insurance through Climate Corp:
Total Weather Insurance (TWI) is an insurance plan made to cover those top-end bushels from the weather related risks that’s going to have the biggest impact on yields. TWI:

  • Covers the gap you have with MPCI and locks in your profits with full season total weather insurance.
  • Profit focused- This is covering the top-end so it’s paying out at higher yields and more frequently to lock in your profit.
  • Optimized- Coverage is adjusted to your location, soil type, weather risks and target yields.
  • Flexibility- You can insure all your acres or just the fields you choose.
  • Hassle free- If bad weather happens, you are paid automatically with no claims process.

Nobody wants to just break even farming; you want to make a profit. You want those profit bushels that are not covered by your MPCI.   How much of that top-end are you willing to risk?

TWI is the only way for you to insure against losing the top-bushels that represent your profit.

Contact us to learn more about the right crop insurance for you.
(559) 897-5831​
1348 Draper St
Kingsburg, CA 93631​
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