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Crop & Hail Insurance

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Being a crop farmer can be a tough job.  You never know what card mother nature is going to deal you, so you always have to be prepared for the worst.  At Associated Insurance Counselors we can help you figure out the coverage you need to protect your fields and your finances. 

There are several types of crop insurance are available to farmers. Including Crop Hail and Multiple Peril Crop Insurance (MPCI)

Crop Hail
Crop Hail policies are not part of the Federal Crop Insurance Program.   The are provided by private insurance companies to farmers. Crop Hail coverage provides you protection for damage that is caused by hail.  Crop Hail policies will also help protect you from fire, lightening or vandalism. Along with give you coverage while your crop is in transit or storage.  Ask Associated Insurance Counselors how we can help protect your crop. The best time to buy Crop Hail insurance is before you start planting your crops.  You never know when a storm can hit.​

Multiple Peril Crop Insurance (MPCI)
Multiple Peril Crop Insurance (MPCI) is a broad-based crop insurance program regulated by the US Department of Agriculture and subsidized by the Federal Crop Insurance Corporation (FCIC). MPCI provides comprehensive protection against weather related causes of loss and certain other unavoidable perils. MPCI prices are set by the USDA’s Risk Management Agency. These policies are available from a private insurance agent like those you will find at Associated Insurance Counselors.

  • Level of Coverage
    • ​You can insure your crop at from 50 to 85 percent of your APH (Actual Production History, average of 4-10 consecutive years of yield history) in increments of 5%. A low cost, minimum level disaster policy, called” catastrophic” coverage is also available. This insures your crop for 50% of your APH yield and 55% of the RMA price.    
  • Different plans available
    • Yield Protection (YP) Yield Protection plan provides protection against a loss of production
    • Revenue Protection (RP) Revenue Protection Plan provides protection against a loss of revenue caused by price increase or decrease, loss of production, or a combination of both
    • Revenue Protection with Harvest Price Exclusion (RP-HPE) This plan is similar to Revenue Protection (RP) plan, however it provides coverage against loss of revenue caused by price decrease low yields or a combination of both, the price increase is not covered because the guarantee is not adjusted up by the harvest price for this plan. 
  • Area Risk Protection Insurance (ARPI) was released in 2014 and is the newest Area Plan of Insurance. ARPI has its own Basic Provisions, separate from common Crop Insurance Policy. So all APRI plans of insurance follow these guidelines. 
    • There are three APRI Plans of Insurance
    • Area Yield Protection Plan ( AYP) provides coverage based on the experience of the county, rather than an individual farm. A loss may occur if the final county yield falls below the insureds expected yield. Since this plan is based on a county yield, it is possible for a producer to have a low yield on their farm and not receive any payment under this plan
    • Area Revenue Protection (ARP) provides the yield protection, but also provides against a loss of revenue due to production loss, price decline or a combination of both. A loss occurs when the final county revenue falls below the expected county revenue ( or trigger) guarantee.
    • Area Revenue with Harvest Price Exclusion (ARP-HPE) similar to ARP plan except that the guarantee is not adjusted up by the Harvest Price.  

Important Dates 

​Sales Closing Date                        March 15
Last date to report acres               July 15
Last date to plant corn                  June 30
Last date to plant soybeans           July 15
New Billing date                           August 15
New premium due date                October 1
End of coverage                           December 10

Loss Notice
A loss notice must be submitted within 72 hours of initial discovery for any type of loss or the company will deny.


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