Crop Insurance Coverage Options

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 exclusive crop claims adjusters ready to help you.
• APH certification completed by our claims adjusters provides an accurate yield record for your APH, resulting in the highest average possible for your insurance guarantee.

Available 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% discount on hail coverage, depending on your total individual policy premium.
• 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. 

GrainGuard® coverage features:

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

Zero and disappearing deductible options are available to customize coverage to your farm.

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. 

Additional coverage for stored grain is available to insure grain in the bin until delivery. 

Replant Endorsement

Replant coverage that pays from the first acre damaged on a covered loss, without a 20% or 20-acre requirement. 

Wind Plus Endorsement

Provides protection to your corn against wind and green snap, plus an allowance for extra harvest expenses resulting from covered perils.

Green Snap Plus Endorsement

Provides protection to your corn against green snap, plus an allowance for extra harvest expenses resulting from covered perils. 

Soil Type Plus Policy

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 premium¹.

Added Value Enhancement (AVE) Policy

AVE¹ provides additional bands of coverage and price protection to your underlying MPCI policy.

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)

WFRP provides coverage for most commodities on the farm under one policy. This includes specialty or organic product farms (both crops and livestock). 

Microfarm Coverage

Microfarm provides coverage specifically for farms with less than $350,000 in annual revenue, for most commodities on the farm under one policy. This includes specialty or organic product farms (both crops and livestock). 

Rainfall Index

Rainfall Index provides coverage for Annual Forage, Apiculture, and Pasture/Rangeland/Forage crops based on precipitation received in a given area. The program uses area grids and NOAA data to determine precipitation and differences from normal to calculate indemnities.

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.

Supplemental Coverage Option (SCO)

This is an endorsement added to your individual RP, RP-HPE or YP policy. SCO is designed to provide additional coverage on a county basis to your individual coverage level up to 86%. In order to be eligible for SCO the associated farm must be enrolled in PLC with the FSA. 

Enhanced Coverage Option (ECO)

This is an endorsement added to your individual RP, RP-HPE or YP policy. ECO is designed to provide additional coverage on a county basis to your individual coverage level up to either 90 or 95%. 

Post Application Coverage Endorsement (PACE)

PACE provides coverage in addition to your underlying YP, RP or RP-HPE policy to insure against the inability to apply nitrogen during the growing season.