South Dakota Crop Insurance Practice Exam

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Prepare for the South Dakota Crop Insurance Exam. Study smart with flashcards and multiple choice questions; all questions feature hints and detailed explanations. Ace your exam effortlessly!

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What does a crop-hail policy cover?

Only wind damage
Hail, fire, lightning
Drought only
Pest damage exclusively

The correct answer is: Hail, fire, lightning

A crop-hail policy is primarily designed to provide coverage specifically for damages incurred due to hail. However, it often extends coverage to additional perils such as fire and lightning. This means that if a farmer experiences crop loss due to hail, as well as loss from fire or damage caused by lightning, the policy will provide compensation for those losses. The inclusion of fire and lightning in the coverage is significant as these risks can also impact crops during the growing season. Unlike the other options, which limit coverage to singular types of damages—such as wind, drought, or pests—the crop-hail policy offers a broader safety net, making it an essential tool for farmers looking to mitigate their risk from sudden and often severe weather events. This comprehensive approach to coverage is why the option identifying hail, fire, and lightning as included in the policy is the correct one.