Crop/Hail insurance typically covers specific perils that directly impact crops, such as hail, fire, and lightning. These perils are common risks that farmers face and can cause significant damage to crops during the growing season.
Hail is a primary peril that this type of insurance is designed to protect against, as it can cause severe physical damage to crops during storms. Fire and lightning can also represent serious threats, as they may destroy entire fields or cause significant crop losses under certain conditions.
In contrast, earthquakes are generally not considered a direct risk to crops in most agricultural contexts because they do not occur with the frequency or intensity necessary to warrant coverage under Crop/Hail insurance policies. Earthquakes can cause substantial destruction in areas where they occur, but their impact on crop production is much less predictable and less relevant compared to the more consistent threats posed by hail, fire, and lightning. Thus, they typically fall outside the scope of coverage in Crop/Hail insurance policies.