Our Insurance Plans

Insurance Plans provide different types of insurance coverage to specific commodities.

Crop Hail

Most hailstorms last three to five minutes. In that time, Mother Nature can deal a crushing blow to your crops, your profits, and the future of your farming operation. Remove that risk today with crop hail coverage from Farmers Mutual Hail.

Crop hail coverage provides protection against physical damage from hail and/or fire. Most FMH hail policies include extended coverages like fire and lighting, vandalism and malicious mischief, and certain perils while in transit and storage at no additional cost to you.

Farmers Mutual Hail has a variety of hail coverages available - full, deductible, and companion - depending on your specific needs.

How it works

A dollar amount of coverage is selected by the producer. Options with different deductibles may be selected to permit a producer to partially self-insure for reduced premium costs.

Buy Early

The best time to buy hail insurance is prior to planting your crops. It pays to buy early because your premium is the same regardless of when you buy. And remember, early season hailstorms can cause serious losses.


Crop hail coverage provides protection up to the actual value of your crop. Coverage is provided on an acre-by-acre basis, so that damage that occurs on only part of a farm may be eligible for payment when the rest of the field remains unaffected.

If a grower has coverage and bumper crop yields or higher prices occur, coverage can be increased during the growing season to cover the value of the crop, unless the crops have been damaged.

With our Fall Premium Payment Plan, you can buy the protection you need for your crops in the spring while waiting until fall to pay the premium.

Extended Coverages

With Farmers Mutual Hail, not only do you get the broadest policy in the industry, but we include these extended coverages for most policies at no additional cost!

  • Fire and lightning
  • Vandalism, theft, and malicious mischief
  • Certain perils while in transit and storage