During what period must crop insurance be purchased for it to be effective for that crop year?

Purchasing crop insurance before planting the crop is essential for it to be effective for that crop year. This requirement exists to ensure that the insurance coverage is in place prior to any potential risks that may threaten the crop, such as adverse weather conditions or pest infestations. By securing coverage at this stage, farmers can protect against financial losses that could occur if they face challenges during the growing season.

Having insurance in force before planting also allows for proper assessment and risk management, giving farmers the peace of mind needed to focus on their operations. If the insurance were purchased after planting or during the growing season, it would not provide protection for those initial stages when crops are most vulnerable. This pre-planting requirement is a critical aspect of managing agricultural risk effectively.