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Crop Insurance

Secure Your Harvest:

complete Crop Insurance Solutions


Loman-Ray understands the importance of protecting your crops from the uncertainties of weather and market fluctuations. Our crop insurance solutions cater specifically to the perils of midwest farmers in Illinois and Indiana, with a blend of federal and private products that can reach up to 95% coverage for your crops. With access to top crop insurance companies and a team of seasoned crop agents, we provide unparalleled support and tailored coverage to safeguard your livelihood.

 

Benefits of working with Loman-Ray:

  1. Diverse Coverage: Through a mix of federal and private insurance products, we offer extensive coverage, shielding farmers from various risks such as natural disasters, crop failures, and price fluctuations.

  2. Experienced Team: Our seasoned crop agents possess in-depth knowledge of the local terrain and agricultural challenges, enabling them to offer personalized guidance and support.

  3. Maximum Protection: With access to leading insurance providers, we empower farmers to attain coverage of up to 95%, providing a robust safety net for their harvests.

  4. Holistic Solutions: Beyond crop insurance, we extend our expertise to other crucial aspects of farm life, including farm owners insurance, home and auto coverage, farm perpetuation with life insurance, livestock insurance, and specialized health insurance tailored for farm operations. All the insurance coverages you might need for your farm operation under one roof.

 

Contact a Loman-Ray agent today to help protect your livelihood; your crops.

 

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Let's Talk

Fill out this quick contact form and a crop insurance agent will be in touch to help match you with the best coverage options for your farm.

 

Commonly Asked Questions about Crop Insurance
What are the differences between federal and private crop insurance products?

Federal Crop Insurance:

  • Government-Backed: Federal crop insurance is supported and regulated by the government, offering standardized coverage options.
  • Subsidized Premiums: Premiums for federal policies are often subsidized by the government, making them more affordable for farmers.
  • Limited Customization: While federal policies provide a base level of coverage for essential crops, they might have limitations in tailoring coverage to specific needs.

 

Private Crop Insurance:

  • Supplementary Coverage: Private insurance products complement federal offerings, providing additional and customizable coverage options.
  • Enhanced Flexibility: Private insurers often offer more flexibility in designing policies, allowing farmers to tailor coverage to match their unique risks and circumstances.
  • Specialized Endorsements: These policies may include specialized endorsements or add-ons that cater to specific crop types, regions, or risks not covered by federal insurance.

 

Navigating the differences between federal and private crop insurance is vital to ensure comprehensive coverage that aligns with your farming operations' specific requirements. Our experienced agents can provide guidance to help you select the most suitable insurance options tailored to your needs. Have a Loman-Ray crop agent reach out today by filling out this quick contact form.

Can I customize my crop insurance policy?

Yes, our agents work closely with farmers to understand their unique requirements and tailor policies to suit their individual circumstances, ensuring comprehensive coverage.

What factors determine the cost of crop insurance?

The cost depends on factors such as crop type, coverage level, historical yields, location, and selected endorsements. Our agents assist in finding the most cost-effective yet comprehensive plan.

What should I do in the event of crop loss or damage?

Notify us immediately by calling 888-566-2679. Our team will guide you through the claims process, ensuring prompt assistance and maximum coverage for your losses.

Are there any deadlines for purchasing crop insurance?

Yes, the deadline for purchasing federal crop insurance varies by crop and region. In Illinois, the sales closing date for corn and soybeans is March 15th, and wheat's closing date is Sept. 30th. Private products like crop hail can be purchased throughout the season depending on the crop and company. It's essential to consult our agents to adhere to specific deadlines and ensure uninterrupted coverage.

Do I need crop insurance if I already have other farm insurance?

While other farm insurances are crucial to safegaurd other assets and property, crop insurance specifically safeguards against crop-related risks as a result of "acts of god" like inclement weather and drought.

 


The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Loman-Ray Insurance Group, LLC is an equal opportunity provider.

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We help customers like you throughout east central Illinois and beyond—since 1981.

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