Private Products

Policy Options

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Grain Fire

 

When harvest approaches, crops are at a greater risk for fire damage. Grain Fire coverage from FMH can give you the extra protection you need on top of your Crop Hail policy to ensure your crops are protected through dry summer conditions.
 
Grain Fire is a policy that covers fire damage in standing grain and grain in transit until first place of storage. Grain Fire covers various crops depending on location. Please talk to your FMH agent to learn what crops may be eligible in your area. The Grain Fire policy is solely offered by FMH and is not reinsured by the FCIC. Coverage under this policy is non-continuous and must be purchased and approved by FMH each crop year.

 

How Does It Work?

  • Covers loss from fire or damage from lightning strike before harvest begins or while the insured crop is in a harvester or other mobile equipment. (Coverage is in excess over other valid and collectible insurance, excluding the MPCI policy).
  • Covers a loss from a transit accident while the harvested insured crop is in a harvester or other mobile equipment. This may include damage caused by wind storm, collision, overturn and collapse of bridges, decks or culverts. 
  • Grain Fire covers various crops depending on location. Please talk to your FMH agent to learn what crops may be eligible in your area.


*Coverage may not be available for all crops or all states. Please see your FMH agent for more information

    What Are the Benefits?

  • Coverage begins the day after the application is signed by you and your agent.
  • No deductible will apply to a loss caused by fire, lightning, transit accident, or fire department service charge.
  • Provides more coverage for the peril of fire for small and coarse grains above the MPCI coverage.
  • Cost effective option for producers who may not trigger a loss from the MPCI policy, this policy adds coverage on a per-acre basis.
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    Pasture Fire

    How Does It Work?

    • Pasture Fire covers fire damage and loss as a direct result from:
      • Equipment and Machinery
      • Lightning Strike
      • Downed Power Lines (Weather Related)
    • Pasture Fire will also cover the fire department service charge, up to $750.00 per occurrence, not to exceed $1,500.00 in any one insurance period.
    • Coverage is limited to $30/acre. Fire losses cannot exceed the actual value of the crop.
    • Pasture Fire is a standalone policy
    • Coverage under this policy is non-continuous and must be purchased and approved by FMH each crop year.

    What Are the Benefits?

    • Fills in the gaps left behind by federal crop insurance
    • No minimum premium requirement
    • As a standalone policy, this coverage can be added to any existing federal or private coverage
    • Adding this coverage can allow for a more comprehensive risk management plan favorable by lenders

     

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    Revenue Accelerator Max Protection®

    How Does It Work?

    RAMP gives you the opportunity to boost revenues at specific risk levels within your risk management plan, including a trigger up to 95 percent. RAMP supplements your MPCI coverage and is designed to help provide additional coverage when production and/or revenue losses are just over or under your MPCI guarantee.

    RAMP YIELD
    RAMP Yield (RY) is a plan that pays if the production to count (harvested bushels) falls within or below the selected coverage band.

    RAMP REVENUE
    RAMP Revenue (RR) is a plan that pays if the harvest revenue falls within or below the selected coverage band.

    What Are the Benefits?

    • Select only the amount of protection your operation needs
    • RAMP unit structures can differ from your MPCI unit structures
    • RAMP coverage can begin before or at the same level as your MPCI policy – you choose
    • Choose a faster payout by selecting a smaller band of coverage
    • Choose a slower payout by selecting a larger band of coverage

     

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    Replant Premier

    Sometimes protection for replanting expenses isn’t always enough because of the many unpredictable weather situations. Replant Premier is a private crop insurance coverage option that pays for your replant expenses in addition to any replant benefits you receive from your MPCI policy. The Replant Premier policy is solely offered by FMH and is not reinsured by the FCIC. Coverage under this policy is non-continuous and must be purchased and approved by FMH each crop year.

    How Does It Work?

    • Partners with a Yield Protection, Revenue Protection, or Revenue Protection with Harvest Price Exclusion policy.
    • Provides coverage for these perils: adverse weather conditions, fire, insect disease, plant disease, wildlife, and failure of irrigation water supply due to an unavoidable cause.

     

    *Coverage may not be available for all crops or all states. Please see your FMH agent for more information.

        What Are the Benefits?

    • Provides coverage for replanting expenses that more accurately reflects increased seed costs.
    • Payments on a per acre basis instead of a unit basis.
    • Replant indemnity up to $80/acre