Crop hail insurance, powered by GrainGuard®
Can't plant or harvest due to illness or death? Our Good Samaritan coverage offers protection when volunteers step up to help you.
Zero and disappearing deductible options are available to customize crop insurance coverage to your farm.
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.
Did you know?
GrainGuard® policies allow you to purchase additional stored grain coverage. This provides coverage for grain in the bin without impacting your coverage on growing crops.
Private products
Our crop hail insurance, powered by GrainGuard, helps protect against damage caused by hail, lightning, fire, vandalism, aircraft and vehicles.
Replant Endorsement
Replant coverage that pays from the first acre damaged on a covered loss, without a 20% or 20-acre requirement.
Wind Endorsement
Provides protection to your corn against wind and green snap.
Green Snap Endorsement
Provides protection to your corn against green snap caused by wind that severs, breaks, or pinches the plant preventing the formation of a harvestable ear.
Extra Harvest Expense
Provides for a payment to help with the extra harvest of downed corn caused by wind.
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 multi-peril crop insurance policy.
Important crop insurance dates & deadlines
Mark your calendar with these important crop insurance dates and deadlines.
Federal crop insurance
Federal crop Insurance, also called multi-peril crop insurance (MPCI) provides coverage for your loss of yield and/or revenue from natural disasters like drought, excessive moisture, disease, wind, wildfire, and hail.
Yield Protection (YP)
Yield Protection provides protection against a loss in farm yield due to naturally occurring events and guarantees a production yield based on your Actual Production History (APH).
Revenue Protection (RP)
Revenue Protection crop insurance protects you from a revenue loss caused by price fluctuations, low farm 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)
Similar to revenue protection, RP-HPE protects you from a loss of revenue caused by a price decrease, low yields, or a combination of both. But the difference is protected revenue amounts are based on your APH and only the projected price.
Area Yield Protection (AYP)
Area Yield Protection protects you from a widespread loss of yield due to a county level production loss. Area Yield Protection 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)
Area Revenue Protection 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. Area Revenue Protection with Harvest Price Exclusion does not include upside harvest price protection.
Livestock Risk Protection
Livestock Risk Protection insurance can help protect you against declining livestock market prices. You can select from a variety of coverage levels and insurance periods depending on the time your livestock would normally be sold.
Livestock Gross Margin
Livestock Gross Margin insurance is a policy designed to protect your farm’s bottom line if feed costs spike and the cost to feed your livestock is more than the market value of the animals (or the market value of your milk, if you have a dairy farm).
Dairy Revenue Protection
Dairy-RP was created to help protect the revenue of milk production on your dairy farm and prepare for reductions in milk sales. Dairy farmers can choose how much of their expected quarterly milk production to insure, what milk price they wish to protect, and their coverage and protection levels.
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.
Whole Farm Revenue Protection
Whole Farm Revenue Protection 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 insurance 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)
Margin Protection crop insurance protects you from an unexpected decrease in your operating margin and is area-based, using county-level yield, revenue, and input estimates.
Supplemental Coverage Option (SCO)
This is an endorsement added to your individual RP, RP-HPE or YP policy. Supplemental Coverage Option 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. Enhanced Coverage Option 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)
Post Application Coverage Endorsement 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 due to covered perils.
Ready to start?
Find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help you find crop insurance that works for you.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
1 Soil Type Plus and Added Value Enhancement must be purchased with an underlying Federal Crop Insurance product.
Crop policies issued by COUNTRY Mutual Insurance Company®, Bloomington IL.
In accordance with Federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices, and employees, and institutions participating in or administering USDA programs are prohibited from discriminating based on race, color, national origin, religion, sex, gender identity (including gender expression), sexual orientation, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs). Remedies and complaint filing deadlines vary by program or incident.
Persons with disabilities who require alternative means of communication for program information (e.g., Braille, large print, audiotape, American Sign Language, etc.) should contact the responsible Agency or USDA's TARGET Center at (202) 720-2600 (voice and TTY) or contact USDA through the Federal Relay Service at (800) 877-8339. Additionally, program information may be made available in languages other than English.
To file a program discrimination complaint, complete the USDA Program Discrimination Complaint Form, AD-3027, found online at How to File a Program Discrimination Complaint and at any USDA office or write a letter addressed to USDA and provide in the letter all of the information requested in the form. To request a copy of the complaint form, call (866) 632-9992. Submit your completed form or letter to USDA by: (1) mail: U.S. Department of Agriculture, Office of the Assistant Secretary for Civil Rights, 1400 Independence Avenue, SW, Washington, D.C. 20250-9410; (2) fax: (202) 690-7442; or (3) email: program.intake@usda.gov.
USDA is an equal opportunity provider, employer, and lender.
For more information, contact the RMA Civil Rights Office at 202-690-3578 (main line).
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.