Pears

Pears are insurable if:

• They are adapted to the area;
• You have a share in the crop;
• The actuarial document provides a premium rate;
• They have produced an average of at least five tons of pears per acre in at least 1 of the 4 previous crop years (unless the special provisions or a written agreement establish a lower production level); and
• They are grown in an orchard that, if inspected, the insurance provider considers it acceptable.

You are protected against the following:

• Adverse weather conditions;
• Earthquake;
• Fire;
• Failure of the irrigation water supply, if caused by an insured peril that occurs during the insurance period;
• Insects or plant disease if adverse weather prevents the proper application of control measures, causes properly applied control measures to be ineffective, or causes disease or insect infestation for which no effective control mechanism is available; or
• Volcanic eruption.

Losses are not insured if due to:

• Failure of the fruit to color properly;
• Inability to market the pears for any reason other than actual physical damage from an insurable cause listed above; or
• Inability to market due to quarantine, boycott, or refusal of any person to accept production.

Coverage begins on:

• November 21; or
• The tenth day after your properly completed application is received, if your application is received after November 11, but before November 21 (for the first year of coverage only). If we inspect the acreage before the end of the 10-day period and determine that it does not meet insurability requirements you will not be eligible for coverage. You must provide any information that we require for the crop or to determine the condition of the orchard.

For each crop year the policy remains continuously in force, coverage begins on the day immediately following the end of the insurance period for the crop year before.
Coverage ends:

• September 15 for types covering summer or fall pear varieties; or,
• October 15 for all types covering winter pear varieties.