Area Plans

Area plans or county-based plans can help you protect your profit margins.

Area Plans

Adding area-based coverage to your underlying policy can help bridge the gap between profit and loss, especially in a year of high input costs and low commodity prices. Our highly trained insurance specialists and proprietary tools can help you build a risk management plan to preserve your working capital.

Margin Protection

Provides coverage against an unexpected decrease in operating margin.

Enhanced Coverage Option

Area-based coverage that can be added on top of your individual coverage - used with Revenue Protection (RP), RP with Harvest Price Exclusion (RP-HPE), Yield Protection (YP) and Actual Production History (APH).

Supplemental Coverage Option

Adds area-based coverage on individual insurance plans. You must have underlying RP, RPHPE or YP policy in place and be enrolled in Price Loss Coverage program under the Farm Bill.

Area Revenue Protection

Provides protection against widespread loss of revenue, yield or a combination of both in a county.

Free Guide: Strategies for Navigating Narrow Margins in 2025

 

With high input costs and low crop prices, now is the time to be proactive with your crop insurance strategy. This guide explains why sticking to old practices is risky and why you should consider area plans like Enhanced Coverage Option (ECO), Supplemental Coverage Option (SCO), and Margin Protection (MP).

This guide also includes:

  • How area plans can offer better financial protection under current market conditions.
  • Examples of adding area plan coverage to an underlying MPCI policy.
  • Questions to help you reevaluate your risk management strategy.

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Request the Guide

Complete the form to receive your free digital download.

Podcast About Area Plans

Members of our experienced crop insurance team discuss how crop insurance and marketing goals can work together to provide the best financial return.

Crop Insurance: Considering Area Plans

Area plans or county-based plans can help bridge the gap between profit and loss. Learn more about area plans, and why the current price environment makes these plans an option that can help give you peace of mind.

"I appreciate the continued service working with the same crop insurance officer year after year."

Hal & Sheila

Grain & Beef Producers, Kansas

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Hal & Sheila

Why Work With Us For Crop Insurance?

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.

Highly Trained

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

Financial Expertise

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

Decision-Making Tools

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

CROP INSURANCE EDUCATION

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Crop Insurance

Simplify Acreage Reporting with Precision Technology

Report your crop insurance acreage from your planter seat using your precision data.

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Crop Insurance

Set up a Winning Season for 2025

Understand your production costs and establish a floor price while keeping potential gains open to manage risk effectively.

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Crop Insurance

Crop Insurance: Getting the Right Coverage

Learn why choosing a farm lender is important to getting the right crop insurance plan.

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

Frontier Farm Credit serves farmers, ranchers, agribusinesses and rural residents in eastern Kansas. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.