Considering that there is a large difference between the guarantee amount standard and the materialization cost of maize in Shanxi Province, it is difficult to effectively achieve the full coverage of materialization cost, resulting in the claim settlement after the disaster cannot fully compensate the losses suffered by the farmers. For the majority of grain farmers, the amount of agricultural insurance claims after the disaster can be further increased by increasing the amount of corn insurance, so as to make up for the losses suffered by the farmers to the maximum extent.