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Byron Center, MI


Crop Policies:

Yield Protection (YP)

With Yield Protection you can purchase coverage to guarantee yields based on your actual production history (APH).  Yield Protection provides protection against losses for most crops from nearly all natural disasters.  Less expensive than revenue-based policies, Yield Protection protects against yield and/or quality losses from many different perils, including drought, excess moisture, cold and frost, wildlife, disease and insects.  Various coverage levels are available.

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Revenue Protection (RP)

Revenue Protection provides coverage against lost revenue caused by low yields, low prices, or both.  As an integral part of your marketing program, Revenue Protection helps insure your profitability, not just your expenses.  You can market your crop during the growing season, when prices are usually higher, knowing that you have the revenue guarantee to cover bushels committed in forward pricing or other market options.  You have an established revenue guarantee per acre, and, unlike a pure yield-based insurance policy, you may net a higher indemnity payment.

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Area Yield Protection (AYP)

AYP coverage is based on the experience of the county rather than individual farms.  AYP replaced the old GRP county policy.  AYP indemnifies the insured in the event the county average per-acre yield or payment yield falls below the insured’s trigger yield. The Federal Crop Insurance Corporation (FCIC) will issue the payment yield in the calendar year following the crop year insured.  (This is usually determined in late March, or early April).  Since this plan is based on county yield and not individual yield, the insured may have a low yield on their farm but not receive a payment under AYP.

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Area Revenue Protection (ARP)

ARP replaced the old GRIP county policy. ARP is based on the experience of the county rather than individual farms.  An ARP policy includes coverage against potential loss of revenue resulting from a significant reduction in the county yield or commodity price of a specific crop. When the county yield estimates are released, the county revenues (or payment revenues) will be calculated prior to April 16 of the following crop year. ARP will pay a loss when the county revenue is less than the trigger revenue. Since this plan is based on county revenue and not individual revenue, the insured may have a loss in revenue on their farm, but not receive payment under ARP.

Whole Farm Revenue Protection (WFRP)

WFRP is the newest revenue product to come along.  WFRP provides a risk-management safety net for all commodities on the farm under one insurance policy.  This insurance plan is tailored for any farm with up to $8.5 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.  Please follow this link for more information: RMA - Whole Farm Revenue Protection.

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Basic Hail

Basic Hail insurance provides coverage for isolated hail incidents that may occur.  This is strongly recommended in conjunction with the Area Plans of insurance (ARPI) as a hail event typically occurs in a limited area in this region and will not likely trigger a claim under the ARPI but could significantly affect an individual farm or operation.  First dollar coverage is available under Basic Hail.  There is also coverage for transportation to the first destination, stored grain and premium waiver in the event of the death of the policy holder.

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Other Private Products

Additional replant, additional prevented plant, wind, added harvest expense, flex pricing and crop delivery contract protection are available as private products.

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Producers must report acreage accurately, meet policy deadlines, pay premiums when due, and report losses immediately.