You dont want to get you premiums back. The premiums you pay are for peace of mind.
The ins. guarantee should allow you to contract a crop at a higher price, hence paying for the ins. You might not take the risk to forward contract without the insurance.
You dont hope lightning hits your machine shed and burns up all your machinery do you? Just to get your premium back?
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Today's Featured Article - Tractor Profile: Farmall M - by Staff. H so that mountable implements were interchaneable. The Farmall M was most popular with large-acreage row-crop farmers. It was powered by either a high-compression gas engine or a distillate version with lower compression. Options included the Lift-All hydraulic system, a belt pulley, PTO, rubber tires, starter, lights and a swinging drawbar. It could be ordered in the high-crop, wide-front or tricycle configurations. The high-crop version was called a Model MV.
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