What perils are covered under a standard crop-hail policy?

A standard crop-hail policy primarily covers losses that occur due to hail damage. However, it is important to understand that not all types of perils are included in this policy.

Fire is typically covered under certain crop insurance policies, including some crop-hail policies, as it can threaten crops, especially in dry conditions or when crops are in the process of being harvested. This makes it pertinent for farmers to consider fire as a potential risk to their crops, which can lead to significant financial loss.

On the other hand, flood, earthquake, and rain are generally not covered by a standard crop-hail policy. Floods often fall under different types of policies, like flood insurance, while earthquakes are covered under separate earthquake insurance. Rain, while it may affect crop yield, does not directly cause the damage that standard crop-hail policies are designed to protect against.

Thus, choosing fire as a peril covered under a standard crop-hail policy reflects an understanding of how various environmental hazards can impact crop viability, along with the specific focus of such insurance policies on acute, weather-related damages like hail, which share a commonality with fire hazards in terms of risk management for crops.