What does crop hail insurance typically cover?

Crop hail insurance is designed to specifically cover losses resulting from hail damage, along with additional perils such as fire and lightning. This type of insurance is particularly crucial for farmers, as hail can cause significant and immediate damage to crops, leading to substantial financial losses.

While other types of insurance may cover drought, pests, disease, flood, freeze, pesticide damage, and theft, these factors are not typically included under crop hail insurance. Instead, the focus is on protecting against specific events that can cause destruction to the crops during the growing season, which is why the correct choice emphasizes hail, fire, and lightning as covered perils. This targeted approach helps ensure that farmers can recover their losses when faced with these particular risks.