Taking a big agricultural province Hunan Province as an example, by means of Logistic quantitative regression model, the paper conducts an empirical analysis on the realization of farmers' interests from the demander of agricultural insurance, and finds that the current blanket insurance model requires rigid uniformity and violates the principle of “independent and voluntary participation in agricultural insurance”, which makes it difficult to protect farmers' interests. Therefore. the oaoer oroooses the oath “adootinz a dual door-to-door ...