Rob,

I bought GRIP insurance last year, and it made sense for me.  This year I decided against it for a number of reasons, but one in particular that I would be interested to hear your thoughts on.  I live in Wright county Iowa, which has a relatively high incidence of hail, historically.  GRIP doesn't offer any protection (unless the whole county received a hail storm), which requires (at least for my piece of mind) hail insurance.  Adding the additional cost for the hail insurance made GRIP much less attractive for me.  How do you advise your GRIP clients in a situation like this?

Mike