- a municipal organization
- owned, operated and controlled by Saskatchewan farmers since 1917
- governed by the Municipal Hail Insurance Act
- administered by a Board of nine directors elected by the Rural Municipalities
Saskatchewan Municipal Hail Insurance (SMHI)
As per the Municipal Hail Insurance Act, all agricultural land in Saskatchewan is insured against crop damage from hail and is subject to hail insurance premiums each year, unless the land is formally withdrawn from coverage.
Hail insurance basic rates and crop surcharges are set by SMHI and premiums are calculated based on land location, acres seeded, crop type, desired coverage, and the desired indemnity. Premiums are collected alongside property taxes each year.
Agricultural landowners will receive a hail insurance package in May each year containing rate, surcharge, and coverage information, along with a Crop Report application form. Deadline to submit Crop Report Applications (blue and green copies) to the R.M. office is June 15th each year.
Discounts are offered for early payments
5% if payment is received by Sept 30
4% if payment is received by Oct 31
2 % if payment is received by Nov 30
*Payment Due December 31st
| Withdrawal from Coverage | March 31 | SMHI | |
| Crop Exemption Application | April 30 | SMHI | |
| Crop Reports and Increased Indemnity Applications | June 15 | SMHI | |
| New Applications for coverage | June 30 | SMHI | |
| Last day to apply for coverage | August 1 | AMHL | |
Withdrawing Land from Coverage
Coverage can be withdrawn by submitting a Withdrawal Form to SMHI, subject to approval by both the Municipal Hail Board and the R.M. Council. Deadline to withdraw from coverage is March 31st each year. Please visit municipalhail.ca for more information.
Additional Hail Insurance
Rhonda Schmaltz is a licensed agent.
Land does not have to be enrolled in SMHI to acquire Additional Municipal Hail, and coverage can be purchased for rented land.
AMHI offers spot loss hail insurance coverage with indemnities up to $500 per acre. Coverage is effective at 12 o’clock noon the day following your application and is in effect until October 31st or until the crop is harvested.
Deductible options include full, straight and disappearing deductibles.
Last day for application is August 1st.
Pay for your AMHI by:
Cheque or credit card at time of purchase.
Deferred cash payment due August 1st (at cash rate).
Promissory note due October 15th.
Please contact Rhonda at the office at 306-728-2818 for more information.