Enhanced Coverage Option Crop Insurance
The highest layer of federal crop insurance available. The Enhanced Coverage Option extends your county-level protection from 86% up to 90% or 95% of expected county revenue — providing maximum coverage on top of your existing MPCI policy.
Why the Enhanced Coverage Option Matters for Farmers
The Enhanced Coverage Option is the final layer of federal crop insurance protection available to American farmers. While your individual MPCI policy covers farm-level risk, and the Supplemental Coverage Option covers the county-level gap up to 86%, the Enhanced Coverage Option extends county protection from 86% all the way up to 90% or 95% of expected county revenue.
What makes the Enhanced Coverage Option unique is its flexibility with Farm Bill elections. Unlike the Supplemental Coverage Option, which requires PLC enrollment, the Enhanced Coverage Option works with both ARC-CO and PLC acres. The federal government subsidizes 44% of the premium at the 90% level. Brawner Insurance helps farmers across Missouri, Iowa, Kansas, and Illinois determine whether adding the Enhanced Coverage Option makes financial sense.
The Enhanced Coverage Option is the ultimate safety net for crop producers. Combined with your individual MPCI policy and the Supplemental Coverage Option, it creates the most comprehensive crop insurance stack available.
Talk to an Enhanced Coverage Agent →Maximize your crop protection.
The Enhanced Coverage Option is the top layer of federally subsidized crop insurance. Ask us if it makes sense for your farm.
Get a Free Quote →660-665-1687 · 660-754-1000
How the Enhanced Coverage Option Works
The Enhanced Coverage Option is a county-level endorsement that layers above the Supplemental Coverage Option to provide maximum protection.
90% County Coverage
The Enhanced Coverage Option at the 90% level covers the band from 86% to 90% of expected county revenue. This option carries a 44% federal premium subsidy.
95% County Coverage
The Enhanced Coverage Option at the 95% level covers the band from 86% to 95% of expected county revenue. This provides the widest coverage band available with federal subsidy.
County Trigger Mechanism
The Enhanced Coverage Option triggers when county expected revenue falls below 90% or 95%. Your individual farm does not need to show a loss for the Enhanced Coverage Option to pay out.
Federal Premium Subsidy
The government subsidizes 44% of the Enhanced Coverage Option premium at the 90% level. This makes the additional protection affordable relative to the extra coverage it provides.
Stacks with MPCI and Supplemental Coverage
The Enhanced Coverage Option layers on top of your individual MPCI policy and the Supplemental Coverage Option. Together, they create the maximum possible crop insurance coverage stack.
Let us show you the full coverage stack.
We compare all three layers — individual MPCI, the Supplemental Coverage Option, and the Enhanced Coverage Option — so you see exactly what is protected.
Talk to an Agent →Who Should Add the Enhanced Coverage Option to Their Plan?
The Enhanced Coverage Option is ideal for farmers who want the absolute maximum crop insurance protection available.
Risk-Averse Producers
Maximum layered protection at subsidized rates
ARC-CO Enrolled Farmers
Works with ARC-CO unlike the Supplemental Coverage Option
High-Risk Counties
Areas prone to widespread weather or price events
Financed Operations
Lenders appreciate maximum coverage levels
Not sure if the Enhanced Coverage Option is right for you?
We run the numbers for your specific crop, county, and MPCI coverage level to show you exactly what the Enhanced Coverage Option costs and protects.
Talk to an Agent →660-665-1687 · 660-754-1000
Enhanced Coverage Option by State
How to Add the Enhanced Coverage Option to Your Plan
Adding the Enhanced Coverage Option is simple since it is an endorsement to your existing MPCI policy.
1. Contact Brawner
Visit our Kirksville or Kahoka office
2. Review Your Coverage Stack
We analyze your MPCI, Supplemental, and Enhanced layers
3. Choose 90% or 95%
Select the Enhanced Coverage Option level that fits your budget
4. Maximum Protection
Your farm has the highest level of crop insurance available