factors affecting adoption of agricultural crops insurance case study: apple growers in semirom and eghlid

abstract the purpose of this paper is to investigate the factors affecting adoption of agricultural crops insurance among apple growers in semirom and eghlid shahrestans and determining the best model. a survey was conducted using the stratified random sampling. data were collected by questionnaire from 240 adopters and 157 non – adopters. the results showed that adopters of insurance are more risk taking and also the adopters have more favorable worldview toward bank apparent steem. they have better awareness toward insurance and bigger gardens. other results is redolent that multiplicity model is the best model to distinct adopters and non adopters of agricultural insurance.the most important suggestion is application of multiplicity model and to recognition factors by agricultural crops insurance planners. policy makers should pay attention to factors affecting adoption of insurance including diffusion, economic, institution and environmental factors.