Abstract: Exploring the characteristics of continuous farming households and factors affecting their stable participation in agriculture insurance can help understand the farmers’ internal driving force in both agricultural production and agriculture insurance participation which sets the basis of the synergistic development of these two aspects. With a consecutive 4-year farmer household sample, non-parametric test is used to reveal the characteristics of continuous farming households. Focusing on farm households’ socio-economic characteristics, then a structural equation model (SEM) combined with exploratory factor analysis is used to identify the factors linked to the stable behavior of agriculture insurance participation under the current agriculture insurance system of China. The results show that the factors of capitals, chemical usage have significant positive relationship with farmers’ continuous insurance behavior and experience factor is significantly negative related to it. Among these three significant factors, chemical usage plays a dominant role for its coefficient is one and a half times capital factor and 1.4 times experience factor. Moreover, variables in experience and labor related capital factors show consistent effects on both behaviors of continuous farming and stable participation in agriculture insurance.