MCO, Margin Coverage Option, is a new crop insurance product for 2026. I like to think of MCO as a hybrid between ECO and Margin Protection. MCO works similar to ECO and also provides a few attractive characteristics of Margin Protection. Similar to ECO, MCO is a banded county-based revenue coverage from 86% to 95%. [...]
Here are the Expected County Yields that will be used in area-based crop insurance products like Margin Protection, MCO, ECO and SCO in 2026.
Here is a chart showing the 2024 Margin Protection Indemnity Payments for the counties in our area. As a reminder, the Projected Price was set back in Aug/Sept of 2023 at $5.09. The Harvest Price was settled October of 2024 at $4.16. The indemnity payments shown below will be offset by Revenue Protection claims during [...]
We have officially Sprung forward! As Spring approaches, many of us are pulling collector vehicles and motorcycles out of our garages. Many of us fall back on coverage when we put these vehicles in storage for Winter. Don't forget to spring your coverage forward. Call your agent today to add full coverage back onto your vehicle before hitting [...]
PRF (Pasture Rangeland Forage) protects against a lack of rainfall during selected intervals throughout the year. Many of the PRF policies selected either the Aug-Sep Interval or the Sep-Oct Interval. In 2024, we became dry in Aug through Oct, even through the earlier months had adequate rainfall. Below you can see the shortage of average [...]
Harvest Prices set in the month of October: Corn $4.16 Soybeans $10.03 The Projected Prices set in the month of February: Corn $4.66 Soybeans $11.55 This is a $0.50 change in corn and $1.52 in soybeans. If you have a 220 APH on corn with 85% Revenue Protection, your bushel trigger would [...]
Margin Protection and ECO are 95% county revenue crop insurance products. Both products can provide similar value to your risk management strategy. But how do you choose which product is best for your operation? Here are a few differences in the products to consider: Margin Protection (MP) MP is a full liability product, which [...]
Now that we are in the sales season for 2025 Margin Protection. You may want to be updated on how the 2024 Margin Protection coverage is tracking. Some input cost harvest prices have been settled: DAP, diesel, potash, and urea. In October, the corn and interest harvest prices will be calculated. County yields will not [...]
Margin Protection's price was calculated from August 15th - September 14th. Corn's projected price is $4.40, based on December 2025 futures. Soybean's projected price is $10.42, based on November 2025 futures. This discovery price timeframe provides an opportunity to lock in a crop insurance well ahead of most crop insurance product prices that are set [...]
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