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central WI | Depends on how much risk you want to take in regards to hail. You can have a 20 acre isolated spot have a complete loss from hail but your other acres were good and kept your average up and not be able to claim a loss on multiperil, so if you are OK with that then no you don't need hail, if not get the hail insurance too. I get both and hope for a complete loss from hail on every acre and then collect the full amount from both policies and keep the combine in the shed, and laugh all the way to the bank...hasn't happened yet though. | |
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both hail and multi peril insurance?
