Crop-Hail Policy Provisions

We sell a lot of high deductible Crop-Hail Insurance. These plans are very affordable and cover your crops in the event there is a serious loss. It does not cost to ask and you can have peace of mind!

Another thing to remember is that we at Bob Johnson Agency offer several Hail Insurance companies to cover your crops.

Standard Crop-Hail Plans and their explanations are below:

0% Deductible

Pays from the first percent of loss.

Excess over 5% Loss - Disappearing at 25% Provision - (Symbol: DXS5)

We will not cover any loss until the percentage of loss per acre exceeds 5%. The percentage per acre then payable will be the percent in excess of 5%, multiplied by 1.25. Once the percentage of loss equals or exceeds 25% this provision will no longer apply.

Excess over 10% Loss - Disappearing at 50% Provision - (Symbol: DSX10)

We will not cover any loss until the percentage of loss per acre exceeds 10%. The percentage per acre then payable will be the percent in excess of 10%, multiplied by 1.25. Once the percentage of the loss equals or exceeds 50% this provision will no longer apply.

20% Deductible Optional Disappearing Deductible - (Symbol: DDB)

We will not cover any loss until the percentage of loss per acre exceeds 20%. The percentage then payable will be the percent in excess of 20%. Once the percent of loss exceeds 30%, an additional 2% will be paid for each percent of loss in excess of 30%, up to a maximum of 40% at which percentage this provision will no longer apply.

30% Deductible Optional Disappearing Deductible - (Symbol: DDC)

We will not cover any loss until the percentage of loss per acre exceeds 30%. The percentage then payable will be the percent in excess of 30% Once the percent of loss exceeds 40%, an additional 2% will be paid for each percent of loss in excess of 40%, up to a maximum of 55% at which percentage this provision will no longer apply.

Notes For This Year:
Production plan hail is based on your fields and your yields. It works in conjunction with your crop insurance and may be a great fit for you. Remember, regular hail policies offer from 0% to 30% deductible with fire, death benefits, replants and much more.