A policy that can give you the extra protection you need to ensure your crops are protected through dry summer conditions.
Crop Fire Overview
When harvest approaches, crops are at a greater risk for fire damage. Crop Fire coverage from FMH can give you the extra protection you need to ensure your crops are protected through dry summer conditions.
Crop Fire is a policy that covers fire damage in standing grain and grain in transit until first place of storage.
How Crop Fire Works
- Covers loss from fire or damage from lightning strike before and during harvest. (Coverage is in excess over other valid and collectible insurance.)
- Covers a loss from a transit accident while the harvested insured crop is in a harvester or other mobile equipment. This may include damage caused by windstorm, collision, overturn, and collapse of bridges, docks, or culverts.
- The Crop Fire policy is offered as a private product by FMH and is not reinsured by the FCIC.
- Coverage under this policy is non-continuous and must be purchased and approved by FMH each crop year.
Crop Fire Availability
Available in AZ, CO, DE, IA, ID, IL, IN, KS, MD, MN, MO, MT, ND, NE, NM, NV, OH, OK, SD, UT, VA, WI, and WY.
Coverage may not be available for all crops or all states. Please see your FMH agent for more information.
What Are The Benefits?
NO DEDUCTIBLE
The policyholder does not need to pay an out of pocket deductible, before receiving compensation for a claim
ADDITIONAL COVERAGE
Provides more coverage for the peril of fire for small and coarse grains
PER ACRE
Adds coverage on a per-acre basis
Fire Stack
Endorsement
Now you can add on the Fire Stack endorsement to your Crop Fire coverage, for fire and lightning coverage to stacks located in the fields where they are baled. Ask your FMH agent for more details!