Crop insurances pay off when there’s a drought in the area, or when a crop type fails completely.
In order to buy the crop insurance from the expanded projects menu, the player must first have invested in the support of a political representative.
Appearance and In-game Effects
When the player invests in crop insurance, a document will be seen on the farmer family’s hut.
When the document is clicked, the following info box will pop up.
As explained, the crop insurance cost a little every year, typically around $20, whether there’s a drought or not. This amount will be included in the family’s living costs on the annual report.
The insurance makes the player unaffected by the following events, by fully compensating any losses:
Crop Insurance is one of the six projects the player must complete in order to win the game. Once built, the insurance will be renewed each year, and cannot be removed, renegotiated, sold or destroyed by player actions or events.
“Insurance of crops in developing countries,” by R.A.J. Roberts, FOOD AND AGRICULTURE ORGANIZATION OF THE UNITED NATIONS, 2005:
“In Africa, agricultural insurance often falls on stony ground,” The Economist, 2018:
“Agricultural insurance in Africa,” Atlas Magazine, Insurance News Around the World, 2017:
“Crop insurance can improve food security in Africa”, Daily Nation, 2018
“Agricultural Insurance and Economic Development,” by Shawn A. Cole and Wentao Xiong, Annual Review of Economics, 2017: