Insurance is included in the purchase price of your assets, which allows the farmers to replace the hive, blueberry bush or solar panel if they are destroyed or damaged. Your returns are based on the total crop produced. In the blueberry bushes example, your return is based on the number of berries from 96 000 blueberry bushes, divided by the number of bushes you own. This protects you if your blueberry bush dies.
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