Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Crop-Hail Insurance for North Dakota Fields

Cover the One Field a Storm Takes Out

North Dakota hail can level a section while the next one thrives. Crop-Hail insurance adds targeted, per-acre protection for direct hail damage (and related perils on some forms), paying even when your overall yield still meets your MPCI guarantee.

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Flexible Limits, Mid-Season Availability

Choose the crops and acres you want to insure, pick a dollar amount per acre, and select deductible options. Policies are often available during the growing season and pay based on the adjuster's determined amount of damage on the affected field.

Close the Gap for Spot Losses

Because MPCI triggers at the unit or farm level, a single pounded field might not create an MPCI loss. Crop-Hail pays for that specific damage-ideal for high-value acres or historically hail-prone townships.

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Quick Clarifications for ND Growers

  • Can I insure only certain fields?

    Yes-select the acres that need extra protection.

  • When should I buy?

    Before peak storm season; coverage can be added mid-season if eligible.

  • Does it cover fire?

    Many forms include fire/lightning-ask us to confirm your policy.

  • Can I add wind or greensnap?

    Some endorsements exist for corn-let's review availability.