Replant Option (RO)

Supplemental Replant Option (RO)

Although most Multiple Peril Crop Insurance (MPCI) policies include replant coverage, it may not cover all of your expenses for replanting. You can offset some of your replanting costs in excess of those covered by your underlying MPCI policy with our Supplemental Replant Option (RO) insurance. We don’t have a minimum acreage requirement, so our RO plans pay on an insured loss from the first acre damaged.

Insured perils include:

  • Adverse weather conditions
  • Naturally occurring fire
  • Insects, if sufficient pest control measures are used
  • Plant disease, if sufficient disease control measures are used
  • Wildlife
  • Earthquake
  • Volcanic eruption
  • Irrigation supply failure, due to an insured peril


    • RO 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 replant 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
    You can offset some of your replanting costs in excess of those covered by your underlying MPCI policy with our Supplemental Replant Option (RO) insurance. 

    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 15 days prior to the earliest planting date. Plans are available in select states:

    • Alabama*
    • Arkansas**
    • Connecticut*
    • Delaware*
    • Georgia
    • Illinois**
    • Indiana**
    • Iowa*
    • Kansas
    • Kentucky*
    • Louisiana
    • Maryland*
    • Massachusetts*
    • Michigan*
    • Minnesota
    • Mississippi*
    • Missouri*
    • Nebraska*
    • New Hampshire*
    • New Jersey*
    • New York*
    • North Carolina
    • Ohio**
    • Pennsylvania*
    • Rhode Island*
    • South Carolina
    • South Dakota
    • Tennessee*
    • Vermont*
    • Virginia
    • Wisconsin*

    *In addition, a $50 per acre replant option is available in AL, CT, DE, GA, IA, KY, MD, MA, MI, MS, MO, NE, NH, NJ, NY, PA, RI, TN, and WA.

    **In addition, a $50 and $75 per acre replant option is available in AR, IL, IN, and OH.

    Rates vary by county. ‡ Corn must be harvested for grain or silage; soybeans must be harvested as beans.

    Cotton protection


    For cotton, we offer six coverage levels of $20, $30, $40, $50, $60, and $70 per acre. RO coverage for cotton is available in the following states:

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

    Popcorn protection


    For popcorn, we offer four coverage levels of $20, $30, $40, and $50 per acre. RO coverage for popcorn is available in the following states:

    • Illinois
    • Indiana
       

    Rice protection


    For rice, we offer four coverage levels of $20, $30, $40, and $50 per acre. RO coverage for rice is available in the following states:

    • Arkansas 
    • Louisiana
    • Missouri