Stop overpaying for crop insurance
Every coverage level compared side-by-side with your county data.
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8 coverage levels compared
Side-by-side premiums, guarantees, and max indemnities
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SCO & ECO add-on analysis
See if supplemental coverage options save you money
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ARC-CO vs PLC comparison
County-level data shows which program pays more this year
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Breakeven scenarios
Know exactly what yield or price triggers your indemnity
The wrong coverage level costs you thousands. This report costs $19.99.
Every level compared. County yield data. ARC/PLC analysis.
Built from the same USDA-RMA actuarial data your agent uses — but we show you every option side by side instead of just the one that pays the highest commission. County yield history, drought exposure, and a clear recommendation. One bad insurance decision can cost you $10,000+. This report pays for itself the first time you use it.
Crop Insurance Analysis
Corn — 500 Acres
Polk County, Iowa • APH 200 bu/a • $4.80/bu
Recommended Coverage
80% Revenue Protection (RP)
Best balance of coverage cost and downside protection for your operation.
Coverage Comparison
| Level | Type | Guarantee | Prem/Acre | Net Premium | Max Indemnity |
|---|---|---|---|---|---|
| 65% | RP | $624.00 | $4.12 | $2,060 | $312,000 |
| 70% | RP | $672.00 | $6.58 | $3,290 | $336,000 |
| 75% | RP | $720.00 | $10.24 | $5,120 | $360,000 |
| 80%Best | RP | $768.00 | $15.90 | $7,950 | $384,000 |
| 85% | RP | $816.00 | $24.36 | $12,180 | $408,000 |
ARC-CO vs PLC Summary
Based on Polk County Olympic-average yields and the current effective reference price, ARC-CO is projected to provide a higher expected payment in this scenario ($32.40/acre vs $0.00/acre for PLC).
80% RP Breakeven
Indemnity triggers below
160 bu/a
at $4.80/bu projected
Why 80% RP
At 200 bu/a APH and $4.80 projected price, 80% RP gives you the best balance of protection vs. cost.
You're paying $9,600 to protect against $192,000 in losses — a 20:1 ratio.
Indemnity Scenarios
| Scenario | Yield | Price | Payout |
|---|---|---|---|
| Mild drought | 175 bu/a | $4.80 | No payment |
| Moderate drought | 140 bu/a | $4.80 | $48,000 |
| Severe drought | 100 bu/a | $4.80 | $144,000 |
| Price crash | 200 bu/a | $3.60 | $96,000 |
| Both | 140 bu/a | $3.60 | $168,000 |
SCO & ECO Add-Ons
SCO (86% to 80%)
Additional $4.80/acre — covers county-level losses above your base policy.
ECO (90% or 95%)
$6.50–$12.00/acre — area-based enhanced coverage for broader protection.
SCO at $4.80/acre is worth considering — adds $14,400 max protection for $2,400.
Breakeven Triggers
The trigger zone is any combination of yield and price where (actual yield × harvest price) falls below the 80% guarantee of $768.00/acre. As yield drops, the price threshold rises — and vice versa.
Historical County Performance
This county has moderate risk — insurance is a smart play.
Premium Summary (80% RP)
Total Premium
$7,950
500 ac × $15.90/ac
Total Guarantee
$372,800
Protection Ratio
47:1
What-If Payout Scenarios
| Scenario | Est. Payout |
|---|---|
| Normal year | $0 |
| Mild drought (175 bu/a) | $24,000 |
| Severe drought (100 bu/a) | $144,000 |
| Price crash ($3.60/bu) | $96,000 |
| Drought + price crash | $168,000 |
SCO / ECO Coverage Gap
SCO (Supplemental Coverage Option)
Covers 80% to 86% gap — county-level trigger
ECO (Enhanced Coverage Option)
Covers 86% to 95% gap — area-based
Prevented Planting
55% of guarantee
$205,040
total payment if prevented
Historical Cost Context
At these rates, crop insurance is a bargain — catastrophic protection at commodity-level cost.
This is sample data. Get your personalized report below.
Sample Report
Crop Insurance Analysis
Corn — 500 Acres
Polk County, Iowa • APH 200 bu/a • $4.80/bu
Recommended Coverage
80% Revenue Protection (RP)
Best balance of coverage cost and downside protection for your operation.
Coverage Comparison
| Level | Type | Guarantee | Prem/Acre | Net Premium | Max Indemnity |
|---|---|---|---|---|---|
| 65% | RP | $624.00 | $4.12 | $2,060 | $312,000 |
| 70% | RP | $672.00 | $6.58 | $3,290 | $336,000 |
| 75% | RP | $720.00 | $10.24 | $5,120 | $360,000 |
| 80%Best | RP | $768.00 | $15.90 | $7,950 | $384,000 |
| 85% | RP | $816.00 | $24.36 | $12,180 | $408,000 |
ARC-CO vs PLC Summary
Based on Polk County Olympic-average yields and the current effective reference price, ARC-CO is projected to provide a higher expected payment in this scenario ($32.40/acre vs $0.00/acre for PLC).
80% RP Breakeven
Indemnity triggers below
160 bu/a
at $4.80/bu projected
Why 80% RP
At 200 bu/a APH and $4.80 projected price, 80% RP gives you the best balance of protection vs. cost.
You're paying $9,600 to protect against $192,000 in losses — a 20:1 ratio.
Indemnity Scenarios
| Scenario | Yield | Price | Payout |
|---|---|---|---|
| Mild drought | 175 bu/a | $4.80 | No payment |
| Moderate drought | 140 bu/a | $4.80 | $48,000 |
| Severe drought | 100 bu/a | $4.80 | $144,000 |
| Price crash | 200 bu/a | $3.60 | $96,000 |
| Both | 140 bu/a | $3.60 | $168,000 |
SCO & ECO Add-Ons
SCO (86% to 80%)
Additional $4.80/acre — covers county-level losses above your base policy.
ECO (90% or 95%)
$6.50–$12.00/acre — area-based enhanced coverage for broader protection.
SCO at $4.80/acre is worth considering — adds $14,400 max protection for $2,400.
Breakeven Triggers
The trigger zone is any combination of yield and price where (actual yield × harvest price) falls below the 80% guarantee of $768.00/acre. As yield drops, the price threshold rises — and vice versa.
Historical County Performance
This county has moderate risk — insurance is a smart play.
Premium Summary (80% RP)
Total Premium
$7,950
500 ac × $15.90/ac
Total Guarantee
$372,800
Protection Ratio
47:1
What-If Payout Scenarios
| Scenario | Est. Payout |
|---|---|
| Normal year | $0 |
| Mild drought (175 bu/a) | $24,000 |
| Severe drought (100 bu/a) | $144,000 |
| Price crash ($3.60/bu) | $96,000 |
| Drought + price crash | $168,000 |
SCO / ECO Coverage Gap
SCO (Supplemental Coverage Option)
Covers 80% to 86% gap — county-level trigger
ECO (Enhanced Coverage Option)
Covers 86% to 95% gap — area-based
Prevented Planting
55% of guarantee
$205,040
total payment if prevented
Historical Cost Context
At these rates, crop insurance is a bargain — catastrophic protection at commodity-level cost.
This is sample data. Get your personalized report below.