Because their fortunes hinge significantly on fickle Mother Nature-such as natural disasters and other weather-related occurrences-farmers are meticulous about their insurance coverage.

While they consider crop, livestock and ranch insurance a major priority, farmers often heavily rely on their agent to furnish them with specific policy details. "The informality that exists within small rural towns means the interaction between farmers and their agents is far more ongoing than it is with many other lines of insurance," exclaims Beth Puckett, senior vice president of the crop division for Cincinnati-based Great American Insurance Co.

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