Some "agents" just "sell it" , Some know what they are doing & will sell you what you need, not just the "normal form".  When I started I had one of the poor 1's, after a couple of "screw ups" I got with the agent I now have.

 I have had too many neighbors with poor insurance agents complain about what their coverage after they had problems.

 1 Of the biggest mistakes is not splitting the farm by section/crop share. Costs a little more, but the good/excellent fields will foul up the coverage on the poorer fields.