Enhanced Coverage Option in Iowa
A county-level crop insurance endorsement that extends your protection from 86% up to 90% or 95% of expected county revenue. The Enhanced Coverage Option is the final layer of federally subsidized crop insurance, stacking on top of your MPCI and Supplemental Coverage Option policies.
Why the Enhanced Coverage Option Is Worth Adding in Iowa
Even with MPCI and the Supplemental Coverage Option in place, your maximum coverage tops out at 86% of expected county revenue. The Enhanced Coverage Option extends that ceiling to 90% or 95%, providing the highest level of county-based crop insurance protection available in the federal program.
The Enhanced Coverage Option was introduced in the 2018 Farm Bill and became available starting in the 2021 crop year. Unlike the Supplemental Coverage Option, the Enhanced Coverage Option works with both ARC-CO and PLC acres. It carries a 44% federal premium subsidy at the 90% level. Brawner Insurance is based in northeast Missouri, serving Iowa farmers across the border and helps Iowa farmers evaluate whether adding the Enhanced Coverage Option makes financial sense.
The Enhanced Coverage Option provides the highest level of county-based protection available. When layered with MPCI and the Supplemental Coverage Option, your farm has coverage from your individual level all the way up to 95% of county expected revenue.
Talk to a Iowa Agent →Maximize your crop protection.
The Enhanced Coverage Option extends your coverage ceiling beyond the Supplemental Coverage Option. Ask us if it makes sense for your Iowa crops and county.
Get a Free Iowa Quote →660-665-1687 · 660-754-1000
How the Enhanced Coverage Option Works in Iowa
The Enhanced Coverage Option sits on top of the Supplemental Coverage Option and provides county-level coverage at the highest available tier.
Coverage Band
The Enhanced Coverage Option covers the band from 86% up to either 90% or 95% of expected county revenue. This band sits directly above the Supplemental Coverage Option, which covers from your individual MPCI level to 86%.
County Revenue Trigger
Like the Supplemental Coverage Option, the Enhanced Coverage Option is triggered by county-wide revenue losses. When county expected revenue falls below the chosen threshold (90% or 95%), coverage pays based on the percentage loss within its band.
90% vs 95% Level
You choose between 90% and 95% coverage. The 90% level has a higher premium subsidy (44%) and triggers less often. The 95% level triggers more frequently but has a lower subsidy and higher premium.
Premium Subsidy
The Enhanced Coverage Option at 90% receives a 44% federal premium subsidy. The 95% level receives a lower subsidy. While not as heavily subsidized as the Supplemental Coverage Option (65%), the Enhanced Coverage Option is still more affordable than equivalent private coverage.
Full Stack with MPCI
The Enhanced Coverage Option stacks on top of both your individual MPCI policy and the Supplemental Coverage Option. Together, they provide coverage from your individual level (50-85%) through supplemental coverage (up to 86%) and enhanced coverage (up to 90% or 95%).
Let us build your full coverage stack.
We analyze MPCI plus the Supplemental Coverage Option plus the Enhanced Coverage Option together to show you the complete picture and total premium cost.
Talk to a Iowa Agent →Who Should Add the Enhanced Coverage Option in Iowa?
The Enhanced Coverage Option is designed for farmers who want the absolute maximum level of crop insurance protection available.
High-Risk Counties
Areas with frequent widespread weather losses
Large Operations
More acres means more revenue at risk
ARC-CO Enrollees
Enhanced Coverage Option works with ARC-CO unlike the Supplemental Coverage Option
Risk-Averse Farmers
Want every layer of available protection
Not sure if the Enhanced Coverage Option is worth the cost?
We compare the premium cost vs. the additional protection the Enhanced Coverage Option provides and show you the break-even scenarios for your Iowa county.
Talk to a Iowa Agent →660-665-1687 · 660-754-1000
How to Add the Enhanced Coverage Option in Iowa
Adding the Enhanced Coverage Option is straightforward since it works as an endorsement to your existing MPCI policy.
1. Contact Brawner
Call our office — we serve Iowa farmers across the border
2. Choose 90% or 95%
We compare both levels with real premium numbers
3. Add Endorsement
The Enhanced Coverage Option is added to your MPCI
4. Every Iowa County Is Different
Your coverage stack is complete up to 95%