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Area Yield Protection Insurance

Crop insurance that provides protection against widespread loss of yield in a county.

Product Overview

Understanding Area Yield Protection Insurance

Area Yield Protection is an insurance product designed to safeguard farmers' crop yields by offering coverage based on the average yield performance of a specific geographic area, rather than individual farm-level data. By considering the collective yield performance of an area, Area Yield Protection provides farmers with a risk management solution that accounts for the shared challenges and vulnerabilities faced by agricultural communities.

Benefits

Area Yield Protection is part of the Area Risk Protection Insurance plan and covers against loss of yield due to a county-level production loss.

Guarantee

Expected County Yield x coverage level = Trigger Yield.

Prices

0.8-1.2 protection factor; loss limit factors apply.

Coverage Level

CAT, 70%, 75%, 80%, 85%, 90% of the county yield.

Eligible Crops

Plans may be available on barley, corn, cotton, forage production, grain sorghum, peanuts, popcorn, rice, soybeans and wheat.

Units

One unit for each crop, type and practice within the county.

Losses

Paid when the Final County Yield is less than the Trigger Yield.
Individual farm yields are not considered when calculating losses.

Additional Coverages

Prevented planting and replant coverage are not part of the policy.
High-risk land rates and written agreements are not available.

Available to all qualifying producers regardless of race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and marital or family status.

Review our side-by-side comparison of federal crop insurance coverage options.

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Are you covered?

We know crop insurance decisions can feel complicated. Our insurance officers have access to a tool that analyzes your numbers and local data to help you make the best decisions to meet your goals. Get started by completing the inquiry form and we’ll find a time that is convenient for you to meet with us.

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Why Work With Us for Crop Insurance

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Dedicated Specialists

Our agents are non-commissioned and focus 100% of their time on crop insurance and livestock insurance — every working day of every week in the year. They don’t sell property, casualty or life insurance.

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Highly Trained

Our insurance officers receive annual training on RMA changes to crop insurance and livestock insurance plans and stay informed throughout the year.

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Financial Expertise

As a lender, we understand financial risk and work to protect your working capital, not just your crop or livestock.

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Decision-Making Tools

Our proprietary Optimum tool analyzes federal insurance policies to find the best choice whatever your risk management goal.

Trigger Yield Calculator

Trigger yields assist producers with crop insurance and risk management decisions. Understanding what will trigger loss payments is an important part of choosing the correct level of crop insurance coverage.