✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Crop Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Guard What You Grow.

Protecting the harvest, the livestock, and what happens between planting and harvest. Whatever Mother Nature has in store, we have you covered with crop insurance from federal and private carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
All Crop TypesCorn, soy, wheat, hay, livestock
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Crop Insurance Matters

Every farmer faces three constant risks: weather that wipes out yields, markets that crash on prices, and lenders that require coverage. Crop insurance addresses all three — protecting your investment in seed, fertilizer, equipment, and labor when things go wrong in the field.

As an independent agency, Brawner offers the full range of crop insurance products — federal MPCI, Revenue Protection, PRF for hay producers, LRP for livestock, and private supplemental coverage. We help farmers across our region build the right protection at the right cost.

Motorcycle insurance protection
Risk Protectionprotects your yield and inputs against weather and disease
Income Stabilitykeeps your operation financially stable during low-yield years
Peace of Mindlender requirements met and your livelihood protected

Federal crop insurance covers most major crops — but the right combination of policies depends on your operation, location, and risk tolerance. We help you build a complete protection strategy.

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Ready to protect your harvest?

We'll review your operation, walk you through the right coverage options, and meet every sales closing deadline — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Crop Insurance Through Brawner

Brawner Insurance works with carriers to find the right crop insurance type for your operation — federal, private, and supplemental coverage all under one roof.

Liability Coverage

Multi-Peril Crop Insurance

The federal MPCI program protects against yield losses from natural disasters — drought, flood, hail, freeze, disease, and insect damage on covered crops.

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Collision Coverage

Revenue Protection

Protects against losses in revenue due to a production loss, price decline, or both — combining yield protection with price coverage.

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Comprehensive Coverage

PRF — Pasture, Rangeland & Forage

Rainfall-based coverage protecting hay producers and livestock operators from forage losses caused by below-normal precipitation.

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Uninsured Motorist

LRP — Livestock Risk Protection

Protects livestock producers from declining market prices on cattle, swine, and lambs — with flexible coverage periods and affordable premiums.

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Gear and Accessories

Supplemental & Private Coverage

Add private hail insurance, supplemental policies, and crop-hail riders to fill gaps in federal coverage and maximize your protection.

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Every Rider Is Different

Build your policy.

We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.

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Your Options

Federal Crop vs. Private Crop — Which Do You Need?

Most successful producers use both federally subsidized MPCI and private crop products together. Here is how they differ.

Option 1

Federal Crop Insurance (MPCI)

  • Federal subsidy covers 38-80% of premium
  • Multi-peril — drought, flood, freeze, disease, more
  • Yield Protection or Revenue Protection options
  • Standardized policies across approved carriers
  • Required deductible based on coverage level
  • Foundation for most row-crop operations

Best for: every serious row-crop producer as the foundation policy.

Option 2

Private Crop Products

  • Crop-Hail dollar-one coverage above MPCI
  • Margin protection and named-peril add-ons
  • Coverage for crops not eligible for MPCI
  • Higher coverage levels than MPCI alone
  • Specialty products like SCO, ECO, PRF, LRP
  • Tailored to individual operation risks

Best for: producers who want to fill MPCI gaps and protect their full crop investment.

MPCI is the foundation, but private products fill the gaps. We will build a combined crop program tailored to your operation.

Compare My Crop Options →

Not sure which crop program is right for your operation?

We will review your acres, crops, history, and goals to build a federal-plus-private crop program that actually fits your farm.

Get a Free Crop Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Crop Coverage

Crop programs have specific deadlines and decision windows. Here are the key moments to plan around.

Spring Sales Closing Date

Most spring crops have a March 15 sales closing date. This is when MPCI coverage levels and product elections must be locked in. Plan your review well before the deadline.

Acreage Reporting Period

After planting, you must report your actual acres planted to your crop carrier. Brawner Insurance helps you file accurate reports on time to avoid coverage problems.

Pre-Harvest Check-In

Before harvest, review your coverage and make sure you understand the claims process if yields come in below your guarantee. Quick prep saves headaches later.

Annual Renewal Review

Every season is different. Reviewing your full crop program each year — federal and private — ensures you are protected against the risks that matter most for your specific fields.

Planning Tip: Brawner reviews MPCI, Crop-Hail, and specialty products together as one program — not separate purchases — so your coverage works as a whole.

Our Process

How We Help You Protect Your Operation

1

Review Your Operation

We learn about your acres, crops, APH history, marketing plan, and risk tolerance.

2

Compare Programs

We compare MPCI elections, Crop-Hail, and specialty products from multiple top crop carriers.

3

Explain Your Options

We walk through coverage levels, units, deductibles, and how the products work together — in plain language.

4

Set Up and Support

We handle paperwork, deadlines, acreage reporting, and stay available through harvest for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How Crop Insurance Works

1

Free Consultation

We start by understanding your acres, crops, APH history, and risk goals so we can recommend the right combined crop program.

2

Plan Comparison

We compare MPCI, Crop-Hail, and specialty products from multiple approved crop carriers — explaining coverages and elections.

3

Easy Enrollment

Once you choose your program, we handle the paperwork and lock in coverage before sales closing deadlines.

4

Year-Round Support

Brawner Insurance is here through planting, growing, and harvest for acreage reporting, claims, and annual reviews — a real ag advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why farmers and producers across the Midwest trust Brawner Insurance for crop coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Crop Insurance FAQ

What does crop insurance cover?

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Federal MPCI covers losses from drought, flood, freeze, disease, hail, and other natural perils. Private products like Crop-Hail add dollar-one coverage on top. Brawner Insurance helps you build a combined program that protects your full investment.

How much does crop insurance cost?

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MPCI premiums are subsidized 38-80% by the federal government depending on coverage level. Private products like Crop-Hail are unsubsidized. Brawner Insurance shops multiple carriers to find competitive rates for your specific operation.

What is the difference between MPCI and Crop-Hail?

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MPCI is federally subsidized multi-peril coverage with a deductible. Crop-Hail is private dollar-one coverage focused on hail and fire damage. Most producers carry both. Brawner Insurance builds them as one program.

When do I need to buy crop insurance?

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Most spring crops have a March 15 sales closing date. After that you cannot add or change coverage until next year. Brawner Insurance reaches out well in advance to ensure you meet every deadline.

How are crop insurance claims paid?

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Claims are paid based on actual loss versus your coverage guarantee. An adjuster verifies the loss after harvest or after a storm event. Brawner Insurance helps you document, file, and follow claims through to payment.

Can Brawner Insurance help me find the right crop program?

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Yes — as an independent agency, Brawner Insurance shops crop coverage across multiple approved carriers. We serve farmers across Missouri, Iowa, Kansas, and Illinois with full federal-plus-private programs.

Get crop protection you can count on.

Brawner Insurance helps farmers and producers across the Midwest build the right crop insurance program — federal MPCI, Crop-Hail, and specialty products — with unbiased advice from independent crop agents.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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