Fall Crop Insurance Check-In for Montana Producers

October marks a busy transition for Montana producers. Harvest is wrapping up, fields are being prepared for winter, and planning for next season is already underway. It’s also the perfect time to take a closer look at your crop insurance coverage to make sure your policies reflect this year’s production and any changes to your operation.

As the year winds down, here are a few important areas to review and keep in mind.

1. Acreage and Production Reporting Accurate reporting is essential to ensure your coverage and future guarantees remain correct. Even small discrepancies in acreage or yields can impact your indemnity payments or next year’s coverage levels. Reviewing your records early can help prevent delays or errors later on.

2. Fall Sales Closing Dates For many wheat policies, the fall sales closing date is one of the most important deadlines of the year. Missing it could mean waiting another full season to make coverage changes. Double-check your renewal options before the deadline passes to ensure your plan still aligns with your risk management goals.

3. Reviewing Coverage Levels Input costs, commodity prices, and local conditions have shifted significantly in recent years. What worked last season might not provide enough protection this year. Take time to evaluate whether your current coverage levels still meet your financial and operational needs.

4. Preparing for Next Season Now is also a good time to think ahead to spring. If you’re considering changing crops, adjusting rotations, or expanding acreage, those updates can affect your coverage needs and premium estimates. Planning early helps avoid surprises when planting season begins.

Supporting Montana Producers Year-Round Farmers in northern Montana face unique challenges—from unpredictable weather patterns to fluctuating markets. Staying proactive about your crop insurance ensures you’re prepared no matter what next season brings.

Our offices in Shelby and Sunburst are here to help you review your policy, report production, and prepare for the year ahead. Whether you’re wrapping up harvest or mapping out next season’s plans, our team is ready to keep your operation protected through every season.