Crop Hail Insurance is addition Insurance that is available to protect you against one peril, Hail!  While some policies will have additional coverage like wind for Wheat and Module Fire for Cotton the primary reason for this is to cover you against loss due to Hail.  Multi-Peril is good coverage, but if you are going to make twice your guarantee you can cover that upside with additional Crop Hail Coveage from Haechten Crop Insurance.