Private Products

Policy Options

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Revenue Accelerator Max Protection®

How Does It Work?

Revenue Accelerator Max Protection (RAMP) allows producers the opportunity to boost revenues at specific risk levels within their risk management plans. RAMP supplements the insured’s MPCI coverage and is designed to help provide additional coverage for when production and/or revenue losses are just over or under an insured’s MPCI guarantee.
 
RAMP Yield (RY) is a plan that pays based on where the production to count (harvested bushels) falls within the selected coverage band.
 
RAMP Revenue (RR) is a plan that pays based on where the harvest revenue falls within 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 time as your MPCI Revenue 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
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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. 


*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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    600C Harvest

    We understand the difference that the right equipment and insurance policy can make when it comes to harvest time. That's why John Deere 600C Harvest policy leverages your John Deere equipment protection against production loss after wind damage.

    With the John Deere 600C Harvest policy, you have the opportunity to harvest your field with a John Deere 600C Series Corn Head to salvage as much of your downed corn as possible before FMH makes a final adjustment. John Deere 600C Harvest 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?

    • After a windstorm damages more than 5% of a unit with commercially grown field corn, the crop is assessed but final adjustment will be deferred until after harvest.
    • After harvesting the field with an owned or leased John Deere 600C Series Corn Head, the producer provides the adjuster with the amount of production from the wind-damaged unit.
    • The adjuster will then determine the amount of mature, unrecovered corn. If this loss exceeds 2% of the unit guarantee, the producer may be eligible for an indemnity payment.

        What Are the Benefits?

    • Designed to take advantage of your John Deere 600C Series Corn Head and its ability to harvest downed corn.
    • More complete coverage at a discount.
    • Opportunity to harvest your field and salvage as much of your downed corn as possible before we make a final adjustment.
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