I buy insurance on my grape crop- very easy to have yield records/averages. The very first year I had a complete crop loss due to Spring frost- I had $400-500 invested in the premium and got a check for around $6K. I figured it paid for itself for ten more years! Neither my Dad nor Grandpa before him had ever thought insurance was affordable. Both were amazed at my brilliant management (soon proven to be much worse than theirs).
I upgraded from the very basic CAT policy to the top-of-the-line version. Since then, I have had one other claim, when the crop was so HUGE, it never reached maturity before the killing frosts came. The better policy paid off even better, but still not near what that crop would have made if it had been harvestable.
My cost of the insurance has risen from $50 per acre to almost $250/A, thanks mostly to the much higher yields I have experienced in the last five years. If only the price we get paid for our crop would have risen at the same rate- last year's per ton value was the same number as 1973, so I was told. I am now in a place where I could actually survive with out the coverage, but am still under the career breakeven cost, if that makes any sense.
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