Abstract
Crop insurance is a crucial shield for farmers facing the challenges of climate change, including natural disasters, pests, and diseases. This descriptive-relational study using a researcher-made questionnaire examines the determinants of crop insurance adoption among 180 farmers in Negros Occidental's fourth district. The statistical tools are frequency, percentages, means, standard deviations, ranks, and linear regression. Findings reveal that coverage amount, covered risks, indemnity settlement, and adjustment significantly impact farmers' decisions to adopt crop insurance. Farmers highly value crop insurance for its potential coverage against pests and diseases. Correspondingly, loan requirements and farm eligibility moderately affect utilization, with debt levels emerging as a significant predictor. Optimizing crop insurance as a protection tool can raise farmer awareness and bolster agricultural sustainability and income stability. Recommendations include updating insurance components, expanding local government adoption, enhancing service delivery, and providing ongoing farmer education.
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