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 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. Talk to your FMH agent to learn what crops may be eligible in your area. The Grain Fire policy is offered as a private product 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 and during harvest. (Coverage is in excess over other valid and collectible insurance.)
  • 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 windstorm, collision, overturn, and collapse of bridges, docks, or culverts.


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

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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.

 

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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.

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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.
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.
ECO+

ECO+™

ECO+ is an endorsement to your ECO policy that offers individual protection above the county protection of your underlying plan. ECO+ provides farm-level coverage if you, or both the county and you, experience a loss.

How Does It Work?
  • Your ECO+ doesn’t have to follow ECO selection, option to choose Revenue or Yield protection
  • Available in two bands of coverage: 86%-90% or 86%-95%
  • Coverage must be elected by the sales closing date for your underlying policy

 

SCOPlus

SCO+™

SCO+ is an endorsement to your SCO policy that offers individual protection above the county protection of your underlying plan. SCO+ provides farm-level coverage if you, or both the county and you, experience a loss.

How Does It Work?
  • Your SCO+ doesn’t have to follow SCO selection, option to choose Revenue or Yield protection
  • Available in two bands of coverage: 75%-86% or 80%-86%
  • Coverage must be elected by the sales closing date for your underlying policy