Many farmers believe that planting early will lead to a bigger yield and give crops more time to grow. While this might make sense on the surface, it also increases the risk of frost and may lower your crop insurance benefits if something goes wrong. Understanding the proper planting dates for your area is essential for managing risk and avoiding a financial disaster.

Planting Dates & Crop Insurance

In early spring, the weather may seem warm enough to start planting, but it only takes one cold night to ruin your entire harvest. Normally, crop insurance will cover your losses if an unexpected frost kills your plants. 

However, to minimize their risk, insurance companies may refuse to pay for crops that were planted outside the mandated planting period.

What Are Planting Periods?

Crop insurance policies are regulated by the federal government, which determines the appropriate planting times before the season starts.

The specific planting period depends on the type of crop you’re growing, the county you’re in, and your local weather conditions. Crops planted before the period opens or too late in the season may be excluded from coverage or may only be insured for a portion of their value.

How Your Insurance Agent Can Help

Planting period rules vary based on weather patterns, droughts, and even market conditions. Unfortunately, even a minor mistake can leave you exposed to serious losses, so consult your agent before setting your schedule for the season. With their in-depth understanding of the system, they can help maximize your crop insurance coverage and minimize risk to your farm.

Since 1981, Nebraska Crop Insurance Agency, Inc. of Beatrice, NE, has provided farmers the insight they need to protect themselves and their investments. Whether you’re new to farming or have been working the land for decades, you can rely on their team for the personal attention and exceptional service you deserve. Visit their website to learn how they can help protect your farm, get more tips and advice on Facebook, or call (402) 223-2694 to speak with an agent and request a quote.