What time does the crop hail policy typically expire?

The crop hail policy typically expires at 12:01 am standard time. This timing is significant because it marks the transition from one day to the next, ensuring that coverage is no longer active just after midnight. This choice aligns with standard practices in insurance policies where expiration times are defined in precise terms to avoid ambiguity.

In crop insurance, it is critical for policyholders to be aware of the exact expiration time to ensure they have coverage during critical periods, especially when dealing with unpredictable weather phenomena such as hail that can cause substantial damage to crops. The other options either give an expiration time that is too early or too late, which would not reflect standard industry practices for specifying effective and expiration times in insurance contracts.