Crop Insurance Coverage Options

GrainGuard® coverage features:

Wind Plus provides coverage for losses due to wind damage or green snap.

Green Snap Plus is coverage for losses due to green snap only on a per acre basis.

Good Samaritan coverage offers protection if you can’t plant or harvest your crop due to severe illness or death and volunteers help.

Disappearing Deductibles removes 5% and 10% deductibles if a crop loss reaches a certain percentage of your crop operation.

Tornado Debris Cleanup covers debris removal and cleanup from outbuildings blown into an insured field as a result of a tornado.

Stored Grain covers your crop and cargo at no additional charge.

Land Motor Vehicle/Aircraft coverage protects you if a car or plane damages your crops. You’re also protected from any field damage caused by emergency personnel responding to a plane crash. 

Pro-Tip: We also offer unique coverage for both standing crops and harvested grain. Our Farm Managed Crop Hail policy offers optional replant endorsements and special discounts when applicable, along with many other free benefits. Ask your rep about it today. 

Policy options

No two farms are the same, so you have several different policy options to choose from.

Yield Protection (YP)

This coverage provides protection against a loss in yield due to naturally occurring events and guarantees a production yield based on your Actual Production History (APH).

Revenue Protection (RP)

A Revenue Protection crop insurance policy protects you from a revenue loss caused by price fluctuations, low yields or a combination of the two. Protected amounts are based on your APH and either the projected price or the harvest price (whichever is higher). Those are determined in accordance with the Commodity Exchange Price Provisions (CEPP).

Revenue Protection with the Harvest Exclusion (RP-HPE)

This protects you from a loss of revenue caused by a price decrease, low yields or a combination of both. Protected revenue amounts are based on your APH and projected price.

Area Yield Protection (AYP)

This protects you from a widespread loss of yield due to a county level production loss. AYP is based on the expected county yield (not individual yields). You’ll receive a loss payment if the average county yield is less than your trigger yield. This protection does not protect against a loss of revenue.

Area Revenue Protection (ARP)

ARP protects you from a loss of revenue due to a county level production loss, price decline, or combination of both. It’s designed to insure the combination of yield and price. The expected county yields are multiplied by either the Base Price (spring) or the Harvest Price (fall), whichever is higher. ARP also includes harvest price protection.

Area Revenue Protection with Harvest Price Exclusion (ARP-HPE)

This protects you from a loss of revenue due to a county level production loss, price decline, or combination of both. You only receive a loss payment when the county revenue falls below your selected trigger revenue. ARP-HPE does not include upside harvest price protection.

Whole Farm Revenue Protection (WFRP)

Designed for farms with up to $8.5 million in insured revenue, WFRP provides coverage for most commodities on the farm under one policy. This includes specialty or organic product farms (both crops and livestock).
 

Pasture, Rangeland, and Forage (PRF)

This protects you from losses of forage made for grazing or gathered for hay. This program is specifically designed to protect your pasture, rangeland, and forage acres.

Margin Protection (MP)

A Margin Protection crop insurance policy protects you from an unexpected decrease in your operating margin and is area-based, using county level input estimates.

Federal Crop Quality Control

For Spot Check List producers, COUNTRY Financial will be assisting the Risk Management Agency (RMA) in monitoring crop conditions throughout the growing season.  All suspected cases of fraud, waste, and abuse in federal crop insurance will be referred to RMA.

Personalized service

• Personalized attention from our crop certified reps. They’ll help you create a customized plan to fit your specific farm operation.
• Fast, local claims service from our over 100 exclusive crop claims adjusters ready to help you.
• Actual Production History (APH) Certification provided by our adjusters. They can certify policyholders’ APH, even on non-loss units.

Unique protection

• With Soil Type Plus, you can buy up to 95% coverage. It factors in your land’s soil type using an innovative rating formula to increase the accuracy of your insurance premium.¹
• Replant Coverage on acre one is our private replant endorsement that pays from the first acre damaged on a covered loss, without a 20% or 20-acre requirement.

Money-saving discounts

• With our early pay discount, you’ll receive an 8% discount when you purchase your Crop Hail policy by March 28 and pay by April 30, or a 4% discount when purchased by June 28 and pay by July 31.
• Our premium volume discount gives you up to a 25% premium discount, depending on your total individual policy premium.
• Our group discount saves you money if you have immediate family members, tenants or landlords insured with us, too.
• Bundle your wind and replant coverage and receive a discount on the premiums for these endorsements.
• Purchase a crop policy and you may get a discount on your farm and & AgriPlus® policies.