Insurance Adoptionfrom Barberry Farmers in Ghayen City

Agriculture has always been a risky economic activities. Because of lowfarmer,s income, social and economic harms of these events are clearer indeveloping countries. For these reasons, the Agricultural insurance can beone of the ways of agricultural development. According to the fact thatinsurance, like any other modern phenomenon may face hurdles due totissue-specific of rural areas and agriculture conditions, Therefore doingvarious research to identify obstacles in this regard and to remove them inorder to explain insurance acceptance in agricultural products is necessaryall the time. Also since the amount of the success and efficiency ofagricultural insurance policy significantly depends on tendency to farmersinsurance products is their, Therefore some studies in order to acceptancethe insurance by farmers are so important. Considering the low statistics inthe farmers insurance and also lack of accepting the insurance ofagricultural products by these farmers; in this research has been to try toinvestigate the acceptance insurance effective factors by Using theinformation of 118 Barberry farmer in Ghayen in 1392 and also usingLogit, Probit and Tobit models. Obtained results show that Tobit model isbetter than tow others because of the ability to respect the distinctionbetween effective factors on the acceptance insurance. Also obtainedresults from this three models showed that some factors have positiveeffect on the acceptance insurance (farmer education, annual income, useof banking facilities, under cultivation, use of education services, the indexof insurance knowledge, index of technical knowledge and farming) andjust one factor (age of farmer) has negation effect on the acceptaneinsurance.