A good agent will make or break you. The agent needs to know how to sell you on what insurance coverage you need. For Some farmers CAT is enough, me I want each section on it's own & sometimes I want it broken down by fields.  on a "overall" coverage I wouldn't get much most yrs, but on a field by field basis I seldom have to pay much premuim. You always have fields that do either real well or for some reason beyond your control will fall on thier face. On a adverage you will have a  "normal" crop, but if you have everything in a co together you don't collect.

 But YOU & your agent has to be willing to do the extra work.