Crop-Hail Insurance
Additional protection for hail damage that works alongside your MPCI policy. Fast quotes and responsive service when storms strike.
Why Crop-Hail Coverage?
While MPCI provides broad protection, crop-hail insurance offers specific, supplemental coverage for hail damage. It's designed to work alongside your MPCI policy, filling gaps and providing additional security.
Hail can strike at any time during the growing season, and Montana producers know how devastating a single storm can be. Crop-hail insurance gives you extra protection when Mother Nature hits hard.
Unlike MPCI, crop-hail coverage is private insurance with flexible terms. You can adjust your coverage throughout the season as your crop develops and your risk changes.
Key Benefits:
- Works alongside your MPCI policy
- Covers hail damage specifically
- Can be purchased anytime during growing season
- Adjustable coverage as crop value increases
- Fast claims response and payment
- May include fire and wind coverage options
How Crop-Hail Works with MPCI
Most Montana producers use crop-hail insurance to supplement their MPCI policy, not replace it.
MPCI Coverage
- •Covers yield losses from all natural causes
- •Based on your production history (APH)
- •Premiums are subsidized by USDA
- •Payment based on end-of-season yield
Crop-Hail Coverage
- •Covers hail damage specifically
- •Based on dollar value per acre
- •Private insurance, no federal subsidy
- •Payment based on actual damage assessment
Together, they provide comprehensive protection: MPCI protects your yield from all natural causes, while crop-hail provides dollar-for-dollar coverage for hail damage. Many producers find this combination gives them the most complete coverage for their investment.
When It Matters Most
Fast Response
When a hail storm hits, time matters. We respond quickly to get your claim started and an adjuster out to assess the damage.
Documentation Help
We'll guide you through what to document and how to preserve evidence of damage for the best possible claim outcome.
Direct Contact
You'll have our direct line. No phone trees or long waits when you need help with a hail claim.
Get a Hail Quote
Crop-hail insurance is flexible and can be purchased at any point during the growing season. We'll help you determine the right coverage amount based on your crop's current value.
What You'll Need
- Crop and acreage information: What you're growing and how many acres
- Field locations: Section, township, and range for each field
- Current crop stage: Where your crop is in development
- Coverage amount desired: We can help you determine the right dollar amount per acre
We'll walk through the process with you and help you understand your options.
Questions About Hail Coverage?
Every operation is different. We'll help you understand whether crop-hail insurance makes sense for your farm and what coverage level provides the best value.