Agricultural insurance can make insured farmers get economic compensation in time after suffering disasters within the scope of insurance responsibility. Agricultural insurance can ensure the stability of farmers' lives by transferring and dispersing risks and paying compensation. Agricultural insurance helps to ensure the continuous stability of agricultural production process. It can convert large and uncertain agricultural risk losses into small and fixed agricultural insurance premiums. In China, agriculture is the foundation of national economy, and agricultural fluctuation is an important factor leading to periodic fluctuation of national economy. Therefore, agricultural insurance not only directly promotes the healthy and stable development of agricultural production and operation activities, but also indirectly ensures the coordinated development of the entire national economy.