When insuring the same crop in the same county, how many MPCI policies can an insured purchase?

When insuring the same crop in the same county, an insured can purchase only one Multi-Peril Crop Insurance (MPCI) policy for that specific crop. This regulation is established to prevent duplication of coverage, which could lead to moral hazard where the insured may not have the same incentive to manage risk effectively. Having just one policy ensures that the insured has a clear understanding of their coverage and limits the liability for the insurance provider.

Additionally, this rule promotes fair pricing and risk assessment within the insurance industry. If multiple policies for the same crop were allowed in the same county, it could complicate claim processes and create issues in measuring risk accurately. Thus, the restriction to a single policy simplifies administration and enforces responsible insurance practices among growers.