• Hargrove Insurance Helping you make the right choices for your farming and ranching operation since 1983.
  • Hargrove Insurance Helping you make the right choices for your farming and ranching operation since 1983.
  • Hargrove Insurance Helping you make the right choices for your farming and ranching operation since 1983.
  • Hargrove Insurance Helping you make the right choices for your farming and ranching operation since 1983.

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Multi-Peril Crop Insurance Plans

  • Revenue Protection policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease, and revenue losses caused by a change in the harvest price from the projected price. The producer selects the amount of average yield he or she wishes to insure; from 50-75 percent (in some areas to 85 percent). The projected price and the harvest price are 100 percent of the amounts determined in accordance with the Commodity Exchange Price Provisions and are based on daily settlement prices for certain futures contracts. The amount of insurance protection is based on the greater of the projected price or the harvest price. If the harvested plus any appraised production multiplied by the harvest price is less than the amount of insurance protection, the producer is paid an indemnity based on the difference.
  • Yield Protection policies insure producers in the same manner as APH polices, except a projected price is used to determine insurance coverage. The projected price is determined in accordance with the Commodity Exchange Price Provisions and is based on daily settlement prices for certain futures contracts. The producer selects the percent of the projected price he or she wants to insure, between 55 and 100 percent.

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