We all know that the weather is fickle and can ruin a picnic or a vacation. Having those events ruined is no fun, plus it's inconvenient. But for a farmer, the fickle weather can be much more than inconvenient; it can be devastating. Weather can ruin a crop or reduce the yield. So, what can a farmer do for protection? 
That is what crop insurance is all about. Crop insurance is designed to protect a farmer's investment in case there is a natural disaster that affects profits.
Here are two types of crop insurance:
- Multi-peril: Multi-peril crop insurance is just that. It protects against multiple types of natural disasters. These include hail, drought, freezing weather, floods, fire, insects, disease and wildlife.
- Hail: This insurance covers crops, or portions of crops if they are damaged by hail. Besides what is covered, the main difference between hail insurance and multi-peril insurance is that hail insurance is not part of the Federal Crop Insurance Program.
That is the basic premise of those types of crop insurance. The best way to understand what you need to protect yourself from the fickleness of weather is to talk with your independent insurance agent.
Are your crops covered? Call CCI Insurance Services at 530-458-8831 for more information on Colusa, CA farm insurance.