Supplemental Replant Option

soreplantAlthough the Common Crop Insurance Policy (CCIP) includes replant coverage, it may not cover all of your replanting expenses. Area Risk Protection Insurance (ARPI) Policies such as Area Revenue Protection (ARP) and Area Yield Protection (AYP) do not include replant coverage. You can offset some of your replanting costs with our Supplemental Replant Option (RO) plans. We don’t have a minimum acreage requirement so our RO plans begin paying on the first acre authorized for replanting.

    Corn and Soybean Protection

    We offer three levels for corn and soybeans‡: $20, $30, and $40 per acre. Supplemental replant coverage can attach when the crop is planted up to 5 days prior to the Earliest Planting Date. Plans are available in select states:

    • Alabama
    • Arkansas
    • Georgia
    • Illinois
    • Indiana
    • Iowa
    • Kentucky
    • Louisiana
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Nebraska
    • North Carolina
    • Ohio
    • South Carolina
    • South Dakota
    • Tennessee
    • Virginia
    • Wisconsin

    Cotton Protection

    For cotton, we offer two coverage levels of $50 and $75 per acre. Protection is available in the following states:

    • Alabama
    • Arkansas
    • Georgia
    • Louisiana
    • Mississippi
    • Missouri
    • North Carolina
    • South Carolina
    • Tennessee
    • Virginia

    Replanting Reimbursement Calculation

    In this example, the producer insures 200 acres of corn in one unit with 100% share and has elected $40 of coverage on the RO policy. On a 15 acre portion of the unit it is determined by the company that it is feasible and necessary to replant. No payment was received on the CCIP policy. The $40 of elected coverage per acre will be used in calculating the reimbursement.   

    • 15 acres × $40 elected coverage × 100% share = $600

    Our Supplemental Replant Option (RO) is a private, annual product with affordable rates† and a $100 minimum premium.

    Insured perils include:

    • Adverse weather conditions
    • Naturally occurring fire
    • Insects (if sufficient pest control measures are used)
    • Plant disease (not damage due to insufficient or improper application of disease control measures)
    • Wildlife
    • Earthquake
    • Volcanic eruption
    • Irrigation supply failure due to an insured peril

    † Rates vary by county. ‡ Corn must be harvested for grain or silage; soybeans must be harvested as beans. This is only an overview of the described product. It does not include all features, exclusions or limitations. Contact a local Marketing Rep today for more information!