factors affecting adoption of apple crop insurance among apple growers in semirom city: multiplicity model

utilization of effective instruments in support of and to provide economic safety for active population in the agricultural sector and towards an increase in production is an indispensable necessity. agricultural crop insurance is one of these instruments. the purpose of this paper is to investigate the factors affecting an adoption of agricultural crops’ insurance among apple growers in semirom city and determine the most appropriate model. a survey was conducted using stratified random sampling. the mass of the sample was comprised of 205 apple growers. data were collected through questionnaire from 166 adopters vs. 39 non – adopters. the results indicated that adopters of insurance in semirom are of a more risk taking nature and have a better understanding and awareness of the advantages of insurance. also the adopters have a more favorable worldview towards insurer’s apparent esteem. they are also in the possession of larger apple orchards. multiplicity model was found as the best to make a distinction between adopters and non adopters of apple crop insurance. this model would be a better predictor of adopters vs. non–adopters.