If your yield falls below your actual production history, you may receive an indemnity payment. 

For most crops, Yield Protection covers unavoidable production losses caused by drought, excessive moisture, hail, wind, frost/freeze, tornado, lightning, flood, insect infestation, plant disease, excessive temperature during pollination, wildlife damage, fire, and earthquake.

Your insured yield comes straight from your actual production history (APH),  which is the average yield from the insured unit for the crop years the crop was produced.

Your yield guarantee is based on:

• Your APH yield, and
• The coverage level you choose (up to 85%)

Example: If your APH is 100 bushels per acre and you choose 75% coverage, then your yield guarantee is: 100 × 75% = 75 bushels per acre.

That means if you harvest less than 75 bushels per acre and market prices are steady or lower, your Yield Protection policy may trigger a payment.

Yes, if you have any questions about your crop or the procedures to follow, please contact your crop insurance agent or agency. They will help file a claim and arrange for an adjuster to visit your operation to determine the next steps.

Yield Protection is available for major row crops like wheat, corn, barley, and more. Crop and county eligibility vary, but our experts can confirm what’s covered in your area.

Premiums for Yield Protection aren’t one-size-fits-all. They depend on your own operation and a few key factors, including:

• Your APH yield (historic average yield per acre)
• The coverage level you choose (50% to 85%)
• The crop and county loss history
• Your insurance unit structure (how your acres are grouped)
• The USDA subsidy rate
  

Here’s how the per-acre premium is figured: APH yield × coverage level × projected price × premium rate × (1 – subsidy rate)

Example: You’ve got a 100 bu/acre APH, choose 75% coverage, and the projected price is $6.00. If your crop’s premium rate is 4.4% and the USDA is covering 60% of it, then: 100 × 0.75 × $6.00 × 0.044 × (1 – 0.60) = $7.92 per acre