Spring 2025 Crop Insurance Deadlines and Coverage Updates

• Remember anything planted before the initial plant date will not qualify for replant payment (unless Replant Extra is added to your policy – Details below) and anything planted after the final plant date loses 1% coverage per day for up to 20 days for corn, 25 days for soybeans, and 10 days for double-crop soybeans.
• If you need to REPLANT – Call Us! We need to be notified before the tractor leaves your farm. Any claims not pre-authorized are automatically rejected.

Enhanced Coverage Option (ECO) – Top 5 Benefits

The Enhanced Coverage Option (ECO) is a county-based product that provides additional coverage on top of your existing Revenue Protection (RP) policy. Below are some benefits:

• Increased Subsidy: The USDA increased the ECO premium subsidy to 65% for 2025, making this coverage more affordable than ever.
• Higher Coverage Levels: ECO allows you to add a band of protection from 86-90% or 86-95% of the expected county yield or revenue.
• County-Level Coverage: Unlike your MPCI policy, ECO is based on county averages for yield or revenue, offering a safety net for widespread losses.
• Customizable Indemnity Levels: To reduce premium but maintain loss trigger, the percent coverage level is flexible.
• Individual Production History Matters: If claims are triggered at the county level, the amount of indemnity owed to you does account for your production history. A higher APH receives a higher indemnity payment while a lower APH receives a lower indemnity payment.

Replant Extra Policy – Top 4 Benefits and Cost

• The Replant Extra policy pays on the first acre of replant, while your MPCI is payable at 20% of an insured unit or the 20-acre minimum rule.
• The Replant Extra policy gives you replant coverage 20 days before the earlier planting dates of the MPCI policy – Meaning you could plant soybeans on 3/26 and corn on 3/21 and still have replant coverage.
• The MPCI policy only pays $30-45/acre to replant (depending on the crop and the spring projected price). If you qualify for both MPCI Replant and Replant Extra, you can add up to an additional $75/acre for corn and $65/acre for soybeans to replant fields with poor stands.
• It costs you more than $30-45/acre to replant fields with poor stands. Even if your fuel and seed costs are minimal, other opportunity costs can add up including planting crops 3-4 weeks later than ideal.

Prevent Plant Reminder:

Just a reminder that acreage must be planted, insured, and harvested in 1 out of the last 4 years to be eligible for prevent plant coverage. Prevent plant pays the following percent of production guarantee if the field is left empty: 55% for corn and 60% for soybeans. After wet springs in the past, consider adding the “PF” option to your policy – specifically on corn. This can add an additional 5% coverage (paying 60%/65% of your guarantee) to your prevent plant payment in the event of a loss. Another reminder for prevent plant is that you can plant a second crop after the final plant date, but your prevent plant payment is reduced to 35% of the original guarantee with other detailed drawbacks.