Breaking Barriers: Understanding the Factors Behind Low Agricultural Insurance Uptake in Zhombe District

The study "Breaking Barriers: Understanding the Factors behind Low Agricultural Insurance Uptake in Zhombe District" looks at the main problems that smallholder farmers in Zhombe North District have when they want to acquire agricultural insurance. The main goal is to find out what these farmers think and believe about crop insurance. The study uses a mixed-methods approach, which combines qualitative and quantitative methods, because it is based on a practical research philosophy. The study chose 279 people from a group of 1,014 farmers in wards six to eight. This group included 20 non-life insurance companies and 259 smallholder farmers. The study employed structured surveys to collect quantitative data and thematic analysis to gather qualitative insights. The results show that people don't purchase insurance for three main reasons: they don't trust it, they can't afford it, or they don't know enough about it. Many farmers are unaware of how insurance can benefit them and believe it is a waste of money. The study makes it obvious that there is a need to quickly come up with affordable insurance options and focused training programs. It also shows how vital it is for the government to help people get insurance. The study hopes to improve sustainable farming methods and farmers' ability to bounce back from setbacks in Zhombe District and other parts of Zimbabwe by addressing these issues. The study provides crucial information that can assist policymakers in making decisions to enhance agricultural insurance systems and promote economic growth in rural areas. Such actions will make both local and national food security and resilience stronger