When does coverage under a crop insurance policy end?

Coverage under a crop insurance policy ends when the insured crop is harvested. This is because crop insurance is designed to protect farmers from losses that occur during the growing season, primarily due to adverse weather conditions, pests, or diseases. The policy remains in effect until the crop is physically harvested, at which point the insurance obligation is fulfilled, and the risk is no longer present.

This conclusion reflects the nature of crop insurance, which focuses specifically on the production cycle of the crop in question. Yield losses or quality degradation leading up to the harvest are the events that crop insurance is in place to cover, and thus, once the harvest is complete, the coverage period effectively concludes.

Other options do not describe the proper timing of when coverage terminates; for instance, saying coverage ends only at the end of the calendar year doesn't account for the specific crop production cycle. Similarly, the transfer of policy rights or an agent's determination of insufficient coverage do not directly influence the end of coverage related to the harvest.