Agricultural insurance schemes are crucial for smallholder farmers in developing countries to mitigate risks associated with crop failures and livestock diseases. A mixed-methods approach combining quantitative survey data from 500 randomly selected farmers with qualitative interviews to understand farmer perceptions and experiences. The analysis revealed that only 30% of surveyed farmers had adopted insurance schemes, primarily due to low perceived risk and high premiums. Qualitative insights indicated limited understanding of scheme benefits among farmers. While adoption rates are low, the qualitative findings suggest room for improvement in communication strategies and policy support to enhance scheme uptake and effectiveness. Integrate farmer education programmes into insurance schemes to improve awareness and encourage participation. Provide subsidies or incentives to increase affordability for smallholders.