landscape heading into 2026. Increased premium support, especially for products like the Enhanced Coverage Option (ECO) and for Beginning Farmers and Ranchers (BFR), have reduced per-acre costs for many growers, who can then recycle those savings into higher bands of coverage to protect profitability margins. Additionally, farmers can now use FSA programs more strategically, using ARC or PLC to fill mid-level coverage gaps. 

Conversations between agents and policyholders matter more than ever

All this fluctuation means there is no one-size-fits-all solution for farmers in 2026. FMH staff emphasized the importance of revisiting coverage decisions annually, rather than taking a “set it and forget it” approach. “The same policy you had in 2025, 2024, 2023 – that may not be the best policy for you in 2026,” said FMH District Sales Manager Andrew Sather. 

FMH tools can help farmers save time and money

Staff emphasized making the most of tools like FMH Precision Solutions and FMH Quoting (FMHQ) to help farmers visualize coverage stacks, manage higher liabilities, and streamline claims. “FMHQ allows agents and producers to sit down and custom-tailor a suite of products,” said Billy Meade, FMH Sales Development Manager.

Higher coverage limits mean more liability for policyholders, which can lead to more high-dollar losses and reviews. “We’re going to get into positions where we may have to have more high dollar reviews because our losses are over $200,000 per crop, per county,” said FMH Strategic Account Manager Landon Shafer. 

Situations like these are where the automated accuracy of FMH Precision Solutions shines. “The quickest and least painful way to complete those reviews is if you’re fully automated and doing precision crop insurance with planting acres and production. It’s a great time to meet with your Precision Tech Specialists that we have regionally across our footprint,” Shafer said.