Abstract: Perfecting the agricultural insurance policy and improving the guarantee of agricultural production are of great importance to China's "three rural" work and the effective implementation of the rural revitalization strategy. This paper takes Q village as an object of investigation from the micro perspective. The study finds that there exists a phenomenon of "supply exceeds demand" in the form of policy-oriented agricultural insurance in grass-roots practice, especially in poor agricultural counties in west China. This phenomenon is closely related to the failure of the agricultural insurance market, the low degree of agricultural modernization, the shortage of government institutional supply and the shortage of insurance technology innovation. The paper puts forward suggestions from two aspects: providing high-quality supply and exploring effective demand.