Enhanced Coverage Option

ECO Crop Insurance Overview

Understanding Enhanced Coverage Option (ECO)

Enhanced Coverage Option, or ECO, is an insurance product that stacks on top of other coverage and is a cost-effective way to reduce the deductible gap to as small as 5%.

The premium subsidy has been increased to 65%, making Enhanced Coverage Option insurance even more affordable.

Watch the video to learn more.

ECO insurance is area-based coverage that can be added on top of your individual coverage. It can be used with Revenue Protection (RP), RP with Harvest Price Exclusion (RP-HPE), Yield Protection (YP) and Actual Production History (APH).
ECO cannot be used with area-based policies such as Margin Protection (MP) or Area Revenue Protection (ARP).
If your underlying policy is RP of RP-HPE, ECO will insure revenue; if it is YP of APH, ECO will cover yield.
ECO indemnity is based on the county revenue or yield, not what happens on your farm. So it is possible to receive an indemnity on your individual policy, ECO, both or neither. As with other area-based claims, the ECO indemnity will be issued the following year, when RMA publishes county yields.

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

Key Benefits of Enhanced Coverage Option (ECO) Insurance

1

The premium subsidy has been increased to 65%, making Enhanced Coverage Option insurance even more affordable.

2

Coverage level choices start at 86% and cover to 90% or 95% when stacked with other products.

3

Flexibility to elect either ARC or PLC as your FSA government program.

4

Closing date is same as the underlying policy.

5

ECO can be purchased with or without Supplemental Coverage Option (SCO).

6

Uses the same projected and harvest prices as your underlying individual coverage.

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) and Supplemental Coverage Option (SCO).

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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Area Plans Podcast

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.

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Why Work With Us for Crop Insurance

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