Using survey data from 469 households，this paper explored the influence of farmers' purchase of agricultural insurance on their adoption of water-saving irrigation techniques and analyzed the mediating and moderating effects of agricultural risk transfer evaluation and heterogeneous risk preferences in this process.The results indicate that agricultural risk transfer tools and agricultural risk reduction tools exhibit a complementary relationship， whereby farmers' purchase agricultural insurance directly promotes the adoption of water-saving irrigation techniques and indirectly promotes it through enhancing their evaluation of agricultural risk transfer effects.In addition，moral hazard and crowding-out effect limit the complementarity between agricultural risk transfer and agricultural risk reduction tools， as risk-averse farmers purchasing agricultural insurance reduce the likelihood of adopting of water-saving irrigation techniques.To enhance farmers’ resilience to risks，it is necessary to advance the protection effectiveness of agricultural risk transfer tools， improve the inclusive financial service system in rural areas， and alleviate the financial constraints on farmers in adopting agricultural risk transfer and agricultural risk reduction tools.At the same time，efforts should be made to coordinate the relationship between agricultural risk transfer and agricultural risk reduction tools， provide in-depth guidance services， and facilitate the coordinated expansion of agricultural insurance and water-saving irrigation techniques to collectively contribute to rural revitalization.