Drought Protection for Ranchers and Forage Producers.

Pasture, Rangeland, and Forage insurance covers lack of precipitation on insured acres. Payments trigger automatically when rainfall in your grid is below the historical average for your chosen intervals. Brawner Insurance helps you elect the right program.

PRF premiums are subsidized 51-59% by the federal government. Cost depends on acres, coverage level, intervals chosen, and county base value. Brawner Insurance runs the numbers for your specific operation.

PRF sales close November 15 for the following year. After that you cannot enroll or change coverage until next year. Brawner Insurance reaches out each fall to ensure deadlines are met.

PRF uses an index system — if rainfall in your grid falls below your chosen coverage level for an insured interval, the policy pays automatically. No adjusters or loss documentation required. Brawner Insurance explains how indemnities work.

Interval selection is the most important PRF decision. You want intervals that match when rainfall matters most for your pasture. Brawner Insurance uses historical data to help you choose.

Yes — as an independent insurance agency, Brawner Insurance shops your prf insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.