Farm & Crop Insurance – Ray Insurance Agency
Farm Insurance That Understands the Land You Work
Being a farmer takes grit, know-how, and long hours — but even the hardest work can’t control the weather. At Ray Insurance Agency, we understand the realities of agriculture in Illinois. That’s why we help farmers in Mount Sterling and surrounding areas protect their crops, property, and income through personalized federal crop insurance and supplemental coverage options.
With our local roots and decades of experience, we’re here to make sure your operation has the protection it needs to stay resilient through every season.
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What Does Our Farm Insurance Cover?
Local Coverage from People Who Understand Your needs
Our Farm Insurance coverage is affordable, customizable, and designed to help keep you in business when nature doesn’t cooperate. Ray Insurance Agency offers full-service farm coverage, including:
Federal Crop Insurance (MPCI)
Affordable, federally subsidized coverage that protects your yield and revenue against risks like drought, flood, hail, and disease.
Crop Hail Insurance
Additional protection for high-value losses not fully covered under MPCI.
Livestock Risk Protection (LRP)
Coverage for price drops in cattle, hogs, and lambs.
Private Products
Tailored policies to close coverage gaps based on your specific risks.
Frequently Asked Questions
We know crop and farm insurance can feel complex — but it doesn’t have to be. Below are answers to some of the most common questions we hear from local producers. If you don’t see your question here, just give us a call. We’re happy to walk you through it.
What does federal crop insurance cover?
MPCI covers crop loss due to weather, pests, disease, and more. It also protects against lost revenue due to price drops.
Is crop insurance affordable?
Yes. Because the program is federally subsidized, it’s one of the most cost-effective tools available to farmers.
Do I need crop hail insurance too?
Often, yes. Crop hail provides added protection where federal programs leave gaps, especially in high-value crops.
How do I get started with farm insurance?
It’s simple — just give us a call at {{content_library.global.phone.office}}. We’ll schedule a time to talk through your operation, walk you through your options, and help you build a policy that makes sense for your land, your risks, and your goals.