سپیده قاسمیان

The agricultural products insurance is an efficient way to reduce the risk of activity in this field, which seeks to improve the economic productivity of the agricultural sector by encouraging farmers to insure their products. The success of it also depends on the farmers' willingness to produce insurance. Considering the importance of insurance in reducing risk and stabilizing the income of farmers, this research has investigated the factors affecting the decreased demand for wheat in Torbat Jam city. This research was conducted by completing questionnaire and sampling method available from 198 people from all wheat farmers of this city in the year of 2020-2021 and it was analyzed using logit model. Based on the information obtained from the Agricultural Jahad of this city, 72 of the farmers in the sample have taken out insurance for the wheat. The results of the showed that factors including the level of education, the area under cultivation of wheat, the years of history of the farmer facing the risk, the timely payment of compensation by the agricultural products insurance fund and the completeness of the level of coverage have a negative effect, and on the other hand, the variables of the amount of income from the sale of wheat, having sources of income other and the distance to the insurance office from the farmers' residence have a positive effect on not applying for insurance by the wheat farmers of this city. it is appropriate to the classification of agricultural risks according to regions.