What is the primary purpose of crop hail insurance?

The primary purpose of crop hail insurance is to cover losses caused by hail damage to crops. This specific type of insurance is designed to protect farmers from the financial fallout resulting from hail storms, which can cause significant and often sudden destruction to growing crops. Hail damage can lead to decreased yields and, in some cases, total loss of harvestable product, making it essential for farmers in hail-prone areas to have this coverage.

While the other options address important aspects of crop risks, they do not align with the primary focus of crop hail insurance. For instance, drought and pest infestations can severely impact agricultural productivity, but these perils are typically covered under different types of insurance policies, such as multi-peril crop insurance. Additionally, funding for crop replanting is a support measure that may be offered through other programs but is not the main function of crop hail insurance itself. Thus, the correct answer highlights that this insurance specifically targets the unique threat posed by hail.