Pair ECO+™ with ECO

Insure up to 95% of expected value for a farm-level and county loss.

The new ECO+ policy add-on from Farmers Mutual Hail offers farm-level protection, even with an area loss. Combine it with your underlying RP, RP-HPE, YP, YDO, or APH policy and Enhanced Coverage Option (ECO) endorsement for more complete coverage with higher commodity prices.

How Does It Work?

  • Select the ECO+ endorsement with your ECO plan
  • 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
ECO + coverage is available throughout the FMH writing area for corn and soybeans.

What Are the Benefits?


Coverage up to 95%
of expected crop value

ECO Icons Added Coverage

Offers individual loss coverage on top of underlying plan

ECO Icons ARC or PLC

ARC or PLC participation
has no impact on eligibility

Get a Custom Quote from an FMH Agent

Why Pair ECO with ECO+?

Listen to the FMH InsureCast episode to learn more about how ECO works and adding ECO+.

Enhanced Coverage Option Episode 1

The first FMH InsureCast episode features FMH's own Ryan Benes and Ken Ripley discussing the new Enhanced Coverage Option crop insurance product.


ECO and SCO, Plus New Options for 2022 Episode 10

ECO and SCO are becoming popular crop insurance options as producers need more coverage to help with higher costs. Listen as we discuss these add-ons, plus new options for individual coverage.


Sample Calculation

ECO+ Revenue Calculation Sample Calculations

MPCI Coverage: 75% Revenue Protection Production to Count: 15,000 bushels
Coverage Band: 90% - 86%Approved Yield Revenue: $64,000
Upper % of Coverage Band: 90%MPCI Projected Price: $4.00
Coverage Spread: 4%MPCI Harvest Price: $3.50
Acres: 80Share: 100%
Approved Yield: 200 bu./acre
ECO Indemnity: $500

Determine the Total Limit of Insurance

75% x $4.00 Projected Price x 4% Coverage Spread x 200 APH x 80 acres x 100% Share = $1,920 Total Limit of Insurance

Determine the Harvest Revenue

15,000 Production to Count x $3.50 Harvest Price = $52,500 Harvest Revenue

Determine the Loss Percentage

90% – [52,500 Harvest Revenue/$64,000 Approved Yield Revenue] = 7.97% Loss Percentage
(Cannot be greater than the coverage band spread so 4% is used instead)

Determine Payment Factor

4%/4% = 1.0000 Payment Factor

Calculate the ECO+ Indemnity

$1,920/acre - $500 ECO Indemnity = $1,420 ECO+ Payment

* This sample is for example purposes only. Contact an FMH agent for full details.

Learn More about ECO

Also New from FMH! SCO+™

Opting for SCO instead? If up to 86% coverage is right for you, SCO+ can add individual protection when paired with your county plan.