Page 1 of 99
Arkansas AR Crop Hail Insurance Exam
2025/2026 | REAL QUESTIONS WITH
ANSWERS & RATIONALES | PDF FREE
DOWNLOAD
Q1. Crop hail insurance is what type of insurance?
A) Valued policy
B) Indemnity policy
C) Liability policy
D) Health policy
Answer: A) Valued policy
Rationale: Crop hail insurance is a valued policy, meaning the
insurer pays a predetermined amount per acre or unit of
production loss, not the actual cash value.
,Page 2 of 99
Q2. Which perils are primarily covered by a standard crop hail
policy?
A) Hail, fire, lightning, and vandalism
B) Hail, drought, flood, and insects
C) Hail only
Rationale: Crop hail insurance is a valued policy, meaning the
insurer pays a predetermined amount per acre or unit of
production loss, not the actual cash value.
Q2. Which perils are primarily covered by a standard crop hail
policy?
A) Hail, fire, lightning, and vandalism
B) Hail, drought, flood, and insects
C) Hail only
D) Hail, wind, and freeze
,Page 3 of 99
Answer: C) Hail only
Rationale: Standard crop hail insurance covers hail damage
specifically. Some policies add fire and lightning (optional), but
core coverage is hail.
Q3. In Arkansas, what is the earliest date a crop hail policy can
be effective for spring-planted crops like corn or soybeans?
A) January 1
B) Planting date
C) 30 days before planting
D) Anytime requested by the insured
Answer: B) Planting date
, Page 4 of 99
Rationale: Crop hail coverage begins at planting or when the
crop emerges, not before. Pre-planting coverage is not
available.
Q4. True or False: Crop hail insurance covers loss of yield due to
disease caused by hail wounds.
A) True
B) False
Answer: A) True
Rationale: If hail causes physical damage that leads to disease
(e.g., stalk rot), that indirect loss is typically covered as a direct
result of hail.
Arkansas AR Crop Hail Insurance Exam
2025/2026 | REAL QUESTIONS WITH
ANSWERS & RATIONALES | PDF FREE
DOWNLOAD
Q1. Crop hail insurance is what type of insurance?
A) Valued policy
B) Indemnity policy
C) Liability policy
D) Health policy
Answer: A) Valued policy
Rationale: Crop hail insurance is a valued policy, meaning the
insurer pays a predetermined amount per acre or unit of
production loss, not the actual cash value.
,Page 2 of 99
Q2. Which perils are primarily covered by a standard crop hail
policy?
A) Hail, fire, lightning, and vandalism
B) Hail, drought, flood, and insects
C) Hail only
Rationale: Crop hail insurance is a valued policy, meaning the
insurer pays a predetermined amount per acre or unit of
production loss, not the actual cash value.
Q2. Which perils are primarily covered by a standard crop hail
policy?
A) Hail, fire, lightning, and vandalism
B) Hail, drought, flood, and insects
C) Hail only
D) Hail, wind, and freeze
,Page 3 of 99
Answer: C) Hail only
Rationale: Standard crop hail insurance covers hail damage
specifically. Some policies add fire and lightning (optional), but
core coverage is hail.
Q3. In Arkansas, what is the earliest date a crop hail policy can
be effective for spring-planted crops like corn or soybeans?
A) January 1
B) Planting date
C) 30 days before planting
D) Anytime requested by the insured
Answer: B) Planting date
, Page 4 of 99
Rationale: Crop hail coverage begins at planting or when the
crop emerges, not before. Pre-planting coverage is not
available.
Q4. True or False: Crop hail insurance covers loss of yield due to
disease caused by hail wounds.
A) True
B) False
Answer: A) True
Rationale: If hail causes physical damage that leads to disease
(e.g., stalk rot), that indirect loss is typically covered as a direct
result of hail.
