在巩固脱贫攻坚成果同乡村振兴有效衔接、推进建设中国式农业农村现代化背景下，政策性农业保险在全面提高农村地区居民生活水平等方面发挥了重要作用。本文首先基于消费理论分析了政策性农业保险对农村居民消费影响机制，基于国内不同地区的农业结构差异分析了政策性农业保险在不同区位间影响的异质性。选取2012~2021年间主要农业省份的面板数据，运用固定效应模型，探讨政策性农业保险如何对农村居民消费产生影响。结果显示：从全国来看，政策性农业保险对促进农村居民消费有显著影响；分地区来看，第一产业占比较大的东北地区政策性农业保险对消费的促进作用最为显著。

In the context of consolidating the achievements of poverty alleviation, accelerating rural revitalization, and building Chinese-style modernization, agricultural insurance has played a significant role in enhancing the living standards of rural residents. This article first analyzes the impact mechanism of agricultural insurance on rural resident consumption based on consumer theory. It also explores the heterogeneity of the effects of agricultural insurance among different regions based on the variations in agricultural structures across the country. Using panel data from major agricultural provinces between 2012 and 2021 and employing a fixed-effects model, the study investigates how agricultural insurance influences rural resident consumption. The results indicate that, at the national level, agricultural insurance has a significant impact on promoting rural resident consumption. Regionally, in the Northeast, where the primary sector has a larger share, agricultural insurance demonstrates the most pronounced stimulative effect on consumption.