Which of the following is NOT typically included in a crop hail insurance policy?

In crop hail insurance, the primary coverage is designed to protect against specific perils that directly affect the crop yield, with hail being the most common risk. The correct response identifies that loss of harvest due to drought is not typically covered in such policies.

Crop hail insurance specifically addresses damages caused by hail, ensuring that farmers are compensated for losses incurred from this particular natural event. Other phenomena, such as severe winds and ice, may also lead to crop damage and can be included in some comprehensive insurance plans, but they are not the focus of standard crop hail insurance.

Drought, on the other hand, is considered a separate risk that is usually managed under a different type of insurance, such as multi-peril crop insurance. This distinction is crucial for farmers to understand as they allocate their resources and plan for potential risks to their crops. The emphasis of crop hail insurance remains predominantly on hail-related damage, confirming that drought-related losses fall outside its typical coverage parameters.