Area Revenue Protection Crop Insurance

Product Overview

Understanding Area Revenue Protection Insurance

Area Revenue Protection is an insurance product designed to protect farmers' revenue by offering coverage based on the aggregate revenue of a specific geographic area rather than individual farm-level data. By considering the revenue performance of a broader region, Area Revenue Protection provides a more comprehensive risk management solution that accounts for both yield variations and changes in crop prices.

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Benefits

Area Revenue Protection is part of the Area Risk Protection Insurance plan and covers against loss of revenue due to a county-level production loss, price decline, or combination of both, and includes upside Harvest Price protection.
Area Revenue Protection with Harvest Price Exclusion excludes upward price protection.

Guarantee

ARP– Expected County Yield x greater of the Projected or Harvest Price x coverage level = Trigger Revenue.
ARPHPE – Expected County Yield x Projected Price x coverage level = Trigger Revenue.

Prices

0.8-1.2 protection factor; loss limit factors apply.

Coverage Level

70%, 75%, 80%, 85%, 90% of the county revenue.

Eligible Crops

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

Units

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

Losses

Paid when the Final County Revenue is less than the Trigger Revenue.
Individual farm revenue is 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.