Multi-Peril Coverage Options
| Policy Options | Revenue Protection (RP)/Revenue Protection with Harvest Price Exclusion (RPHPE) | Yield Protection (YP)/ Actual Production History (APH) | Area Revenue Protection (ARP)/Area Revenue Protection with Harvest Price Exclusion (ARPHPE) | Area Yield Protection (AYP) | Whole-Farm Revenue Protection (WFRP) |
|---|---|---|---|---|---|
| Benefits | Guarantees revenue per acre with both upward and downward price protection. HPE excludes upward price protection. | Production-based coverage protects the producer against a yield loss. | Covers against loss of revenue due to a county level production loss, price decline, or combination of both, and includes upside Harvest Price protection. ARPHPE excludes upward price protection. | Covers against loss of yield due to a county level production loss. | Establishes a dollar guarantee based on the lesser of the Expected Revenue from the farm or the adjusted five-year historic average of allowable Schedule F income. |
| Guarantee | Approved Yield x selected level x greater of Projected or Harvest Price. If Harvest Price Exclusion, Approved Yield x selected level x Projected Price. | Approved Yield x selected level x price. | Expected County Yield x greater of the Projected or Harvest Price x coverage level = Trigger Revenue. If ARPHPE, Expected County Yield x Projected Price x coverage level = Trigger Revenue. | Expected County Yield x coverage level = Trigger Yield. | Approved Revenue x coverage level. |
| Prices | 100% of commodity contract traded on regional commodity exchange. | YP – 55-100% of commodity contract traded on regional commodity exchange. APH – 55-100% of RMAestablished price (for crops where there is no commodity exchange price provision). | 0.8-1.2 protection factor; loss limit factors apply. | 0.8-1.2 protection factor; loss limit factors apply. | Based on the sum of the expected value for each commodity. |
| Coverage Level | 50%, 55%, 60%, 65%, 70%, 75%, 80%, 85%. | CAT, 50%, 55%, 60%, 65%, 70%, 75%, 80%, 85%. | 70%, 75%, 80%, 85%, 90% of the county revenue. | CAT, 70%, 75%, 80%, 85%, 90% of the county yield. | 50%, 55%, 60%, 65%, 70%, 75%, 80%, 85%. (Must have 3 commodities to qualify for 80% and 85%). |
| Units | Enterprise, basic and optional. | Enterprise, basic and optional. | One unit for each crop, type and practice within the county. | One unit for each crop, type and practice within the county. | One unit for all the commodities on the farm. |
| Losses | Paid when Calculated Revenue, determined using Harvest Price, is less than the final Revenue Protection Guarantee. | Paid when Actual Yield is less than the Production Guarantee. | Paid when the Final County Revenue is less than the Trigger Revenue. | Paid when the Final County Yield is less than the Trigger Yield. | Paid when the revenue to count is less than the Approved Revenue x the coverage level x the expense reduction factor (if applicable). |
| Prevented Planting | Available | Available | Not available | Not available | Conditional |
| Replant | Available | Available except at CAT level | Not available | Not available | Available – annual crops only |
| High-Risk Land Rates | Available | Available | Not available | Not available | Not available |
| Written Agreements | Available | Available | Not available | Not available | Not available |
Availability of policies varies by state, county and crop. See your FCSAmerica crop insurance officer to compare the coverages available in your area.
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