Crop · Livestock · Pasture
Most agents hand you a quote. We'll show you what's behind it — the county yields, the price triggers, the band your coverage actually sits in, and what each product pays at yields and prices you pick yourself.
We write crop, livestock and pasture insurance for growers across Iowa and Minnesota, out of Saint Ansgar — close enough to the state line to farm both sides of it. Between us we have been doing this a long time, and the tools on this site are the same ones we use at your kitchen table.
No obligation, and no charge for running the numbers.
How the layers sit
Almost every conversation we have starts here. Your policy is the bottom layer. SCO sits on top of it, and above that you can add one of ECO or MCO. Everything above 95% is your own money.
Where growers get caught is the settlement basis, not the picture. Move the numbers yourself in the estimator, or see what the top bands would have done in your county in the eight-year what-if.
Tools
Built on RMA's published county data — not rules of thumb. Free, no signup, and yours to use whether you buy from us or not.
RP, SCO, ECO and MCO on one screen for corn and soybeans across Iowa, Minnesota and Missouri. Pick your county and it fills in the expected yield, price and operating cost from RMA's own 2027 files. Includes sensitivity grids so you can see the whole range, not one number.
Open the estimatorIf SCO, ECO and MCO had all existed since 2018 on the 2027 terms, what would they have paid in your county? Real RMA figures, hypothetical products.
Run the what-ifA plain read of what RMA changed for the 2027 crop year, which decisions it affects, and the dates that actually matter — including the MCO sales closing that lands well before your spring election.
Read the guideCoverage
Revenue Protection and Yield Protection with the endorsements that sit on top — SCO, ECO and MCO. Corn, soybeans and the other row crops grown across the region.
Livestock Risk Protection and Livestock Gross Margin for cattle and hogs, for operations that want a floor under the market without giving up the upside.
PRF rainfall index coverage for pasture and hay ground — the part of the operation that most often goes uninsured until the year it matters.
Not sure which of these applies to you? That's the conversation, not a problem. Send us what you farm and we'll tell you honestly which pieces are worth your premium dollars and which aren't.
Why work with us
Federal crop insurance changes every few years, and 2027 is one of the bigger resets in a while. We read the bulletins and the actuarial files when they drop, build the tools to make sense of them, and publish what we find.
That's not a marketing exercise. An agent who can't show you why a recommendation holds up at a 93% county yield and $4.20 corn is guessing, and you're the one carrying the guess. Everything on this site is here so you can check the reasoning yourself.
Stay current
A short email when something changes worth acting on — program updates, disaster program summaries, and the deadline reminders that are easy to miss. No volume for the sake of it.