Couple of thoughts...
We raise a couple hundred acres of hay in a slow year, and get several cuttings of most stands...at least two and maybe four.
One thing we do is spread it out over several storage areas, both indoors and out. It is a "not all the eggs in one basket" sort of decision. I have never insured it directly, but it may come under "contents" of some structures.
With hay, you have both the potential of spontaneous combustion, which I doubt you can cover against; and vandalism,. which is potentially excluded as well, depending upon the insurer. I would lioke to know what you find out....
For us, it is mostly going to be fed to our cattle and daughter's horses and boarders. The hay the kids sell isn't mine, so I cannot insure it anyway.
