Multi-Peril Crop Insurance (MPCI)

Over 100 crops are eligible including corn, soybeans, wheat, grain sorghum, cotton, rice, and many specialty crops. Eligibility varies by county and state. Brawner can check exactly which crops qualify for MPCI in your specific county across Missouri, Iowa, Kansas, or Illinois.

Yield Protection (YP) only covers yield losses from natural causes. Revenue Protection (RP) covers both yield losses and price declines, making it the more comprehensive and popular option. RP uses the higher of the projected price or harvest price to calculate your guarantee, giving you upside price protection.

For spring-planted crops like corn and soybeans in Missouri, Iowa, Kansas, and Illinois, the sales closing date is typically March 15. For fall-seeded crops like winter wheat, the deadline is usually September 30. Contact us early to make sure you do not miss your window.

MPCI premiums are heavily subsidized by the federal government. At the 75% coverage level, the government pays about 55% of the premium. At lower coverage levels, the subsidy is even higher. Your actual cost depends on your crop, county, coverage level, and your Actual Production History (APH). We can run a free estimate for your specific operation.

APH is the average of your proven crop yields over the past 4 to 10 years. It determines your yield guarantee under MPCI. Higher APH means a higher guarantee. If you are a new farmer or lack production records, transitional yields (T-yields) set by RMA are used as a starting point.

Yes. Both landowner-operators and tenant farmers can purchase MPCI. The person who has the insurable interest in the crop (the one who would suffer the financial loss) is the one who should carry the policy. If you rent land and plant the crop, you can insure it under your own MPCI policy.