ECO provides area-based coverage for a portion of the deductible of your underlying policy, with top-end coverage levels up to a 95% level.
Enhanced Coverage Option (ECO) Overview
The Enhanced Coverage Option (ECO) provides area-based coverage for a portion of the deductible of your underlying policy, similar to the Supplemental Coverage Option (SCO), but at a higher coverage level. ECO is an optional endorsement to supplement
your underlying policy (RP, RP-HPE, YP, YDO, and APH).
How ECO Works
- ECO provides area-based coverage for a portion of the deductible of your underlying policy, similar to the Supplemental Coverage Option (SCO).
- ECO is based on your underlying policy plan of insurance. For example, with Yield Protection ECO covers yield loss.
- The amount of ECO coverage depends on the liability, coverage level, and approved yield for your underlying policy.
- Coverage must be elected by the sales closing date for your underlying policy.
Curious how this product compares with other area plans? View our ECO/MCO/SCO Comparison Flyer.
What Are The Benefits?
INCREASED SUPPORT RATE
New for 2026! The premium support rate has increased from 65% to 80% for all crops.
95% COVERAGE
Coverage up to 95% of expected crop value.
MEETS SCO
Kicks in where SCO coverage stops.
EQUIVALENT FIQURES
Uses same SCO figures for expected and final area yields, projected and harvest prices, and payment factors.
NO CREDITS OR OFFSETS
No premium credits or offsets against individual policy.
ELIGIBILITY
ARC or PLC participation has no impact on eligibility.
ECO
Availability
ECO is available in all states within the FMH writing area for 42 different spring-planted crops in select counties.