In addition to our Farm Bureau roots, consider the following:

• Hail plans begin paying at 1%
• Competitive rates
• Agents are local, experienced, knowledgeable and accessible
• 5% discount for cash
• A wide range of crop-hail plans to customize protection for your operation
• Harvested grain coverage at no additional cost
• Carryover coverage provides early protection for next year at no additional cost
• Adjusters are skilled and competent
• Two-hour coverage on applications submitted in "an acceptable method" and by "sufficient notice"

Crop-Hail

Your Crop-Hail policy covers losses due to:

• Hail
• Fire (fire while your grain is in the dryer/Fire Department service charges up to $250)
• Lightning
• Transit
• Vandalism

It also covers:

Harvested grain: At no extra cost, harvested grain is covered while being stored on or transported from the farm premises against the following perils (except for special exclusions):

• Fire and lightning
• Windstorm or hail
• Explosion
• Vehicles or aircraft
• Upset or overturn of vehicle transporting grain
• Smoke
• Vandalism or malicious mischief
• Theft

Crop-Hail plans:

• Basic: 0% Deductible pays at 1% payable loss
• DXS5: 5% Deductible disappears at 25% payable loss
• DXS10: 10% Deductible disappears at 50% payable loss
• DDA: 10% Deductible disappears at 25% payable loss
• DDB: 20% Deductible disappears at 40% payable loss
• DDC: 30% Deductible disappears at 55% payable loss
• XS10: 10% Deductible is Mandatory and remains throughout the payable loss; 100% loss pays 90%
• XS10IP: Excess over 10% loss has increasing payment of .5% for 1% loss after 70% damage
• Comp 2: No liability for loss until the loss exceeds 5%; thereafter, the loss is paid by 200% of the amount in excess of 5%
• B or C 2: Basic policy pays loss at basic plan through the first 10% damage; thereafter, the policy pays the loss at Companion 2 plan rate
• Comp 2D10: No liability for loss until the loss exceeds 10%; thereafter, the loss is paid by 200% of the amount in excess of 10%

Endorsements available:

• Wind Coverage for Field Corn: Coverage for losses due to Green Snap, Lodging, or non-recoverable ears that have been severed from the stalk due to wind
• Green Snap - Wind Coverage for Field Corn: Coverage for losses due to Green Snap or non-recoverable ears that have been severed from the stalk due to wind

Additional coverage available:

• Sugar Beet Replant Buyup Supplemental Coverage: Sugar Beet Replant Buyup Supplemental Coverage provides sugar beet growers an addition to their MPCI policy to cover replant costs (only available to Nodak Mutual MPCI policyholders)

MPCI and Crop-Hail Insurance-do not sacrifice one for the other.

Use your money on a risk management product that provides the best economic return without allowing any coverage breach. Consider the following:

• At 75% MPCI Coverage, a 25% reduction of the APH is needed before a payable loss can be declared
• MPCI Coverage will pay loss based on the APH at the target price

Consider this scenario:

A policyholder with 100 acres of wheat with a $5.00/$100 basic rate:

• Basic Coverage: $500.00
• DDA: $380.00
• DXS10: $370.00
• DDB: $280.00
• B or C 2: $710.00
• Comp 2: $680.00

• This companion crop-hail insurance plan will cover the portion of your crop not insured under your Multi-Peril Crop Insurance (MPCI) policy, on an MPCI policy unit basis. That portion of your crop is defined as the difference between the approved Actual Production History (APH) average yield and the selected MPCI levels of coverage yield guarantee. Since coverage is specifically targeted for your coverage not included under your MPCI policy—the rates are considerably less than a basic hail policy.

The Sentinel Plan is available for:

• Corn for grain
• Soybeans
• Small Grains

Perils covered by the Sentinel policy:

• Hail
• Transit
• Vandalism
• Malicious Mischief
• Fire/lighting
• (There is a minimum deductible of 5% for all perils other than hail)

How Sentinel works:

• A Nodak Mutual MPCI policy is required at the coverage level of your choice
• Sentinel provides an extra modification factor of your APH
• Liability is based on an MPCI unit basis, rather than a per acre basis
• Adjusted loss settlement is paid at the end of harvest or end of insurance period

Flexible payment options:

• Annual
• Semi-annual
• Quarterly
• EFT (Electronic Funds Transfer)
• Credit Card