As a young guy working off area averages and throwing in a few hail years, a couple of extreme wet and a drought my coverage is so shitty that crop insurance premium is basically a donation to government general revenues. I'm still farming because I held on to cash and inventory when things were better and taken a more modest approach to expansion and machinery. I honestly have no idea what kind of epocalaliptical catastrophe would have to take place for me to get more than premium back from scic. At least private options reflect my risk and what is put into the crop.
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