When does MPCI coverage officially begin?

MPCI (Multi-Peril Crop Insurance) coverage officially begins at the planting or seeding of the crop. This is a key aspect of crop insurance because it ensures that farmers have financial protection in place right at the start of the cultivation process, aligning the coverage with the time when risks begin to arise.

Starting coverage at planting or seeding means that any qualifying loss that occurs as a result of insurable perils—such as drought, floods, or certain pests—can be compensated, providing farmers with a safety net. It signifies that the risk of loss associated with crop production begins when the crop is actively being planted, ensuring that the insurance aligns with the agricultural cycle.

Understanding this timing is critical for farmers because they must plan and make decisions regarding the purchase of insurance based on when they intend to plant. The other options suggest various start points that do not encapsulate the intent of crop insurance coverage, which is to protect farmers from the risks incurred during the actual growing phase of the crop.