Blueberries and peaches are cornerstone crops across the Southeast — and both come with unique production challenges. From spring frosts to summer storms, crop insurance helps protect growers against the kinds of losses that can’t be controlled.
What the Policies Cover
Both blueberry and peach crop insurance protect against unavoidable production losses caused by:
- Adverse weather, including frost, hail, drought, and excessive rainfall
- Insects and disease, when proper control measures are taken
- Failure of irrigation water supply due to an insured peril
Coverage applies to approved varieties and counties where insurance is available. Protection generally begins right after the previous insurance period ends and continues through harvest or until the crop is abandoned.
How Coverage Works
Coverage for both crops is based on your actual production history (APH) — an average of your yields over time. You can choose a coverage level (typically between 50% and 85%) and a price election that fits your operation.
If your production falls below the insured yield due to a covered cause of loss, your policy provides an indemnity payment to help offset the impact. Premium subsidies are included, meaning part of your premium cost is shared to make coverage more affordable.
Why It Matters
Fruit crops like peaches and blueberries are especially vulnerable to weather-related losses. A late freeze, heavy rain, or drought can wipe out an entire season’s income. Regularly reviewing your policy ensures your coverage reflects current yields, acreage, and farm structure.
Having coverage in place means your operation is better protected against unpredictable seasons — and gives you confidence heading into harvest.
Talk to an Expert
If you grow blueberries or peaches in Georgia or Florida, CIMXag Insurance can help you review your policy and make sure your coverage fits your current needs. Our agents specialize in fruit crop protection and can walk you through coverage levels, eligibility, and reporting requirements.
