What types of insurance does Brawner Insurance offer?

Brawner Insurance offers crop insurance, farm insurance, personal and family insurance (auto, home, umbrella, flood), commercial business insurance (BOP, cyber liability, workers comp), employee benefits, Medicare, dental, vision, life insurance, and more — all available across Missouri, Iowa, Kansas, and Illinois.

How long has Brawner Insurance been in business?

Brawner Insurance is a family-owned independent insurance agency that has been serving Midwest families, farmers, and businesses since 1992 — over 30 years of local expertise and national strength.

Where is Brawner Insurance located?

Brawner Insurance has two office locations in Missouri: 2605 N Baltimore St, Kirksville, MO 63501 (phone: 660-665-1687) and 465 S. Johnson St., Kahoka, MO 63445 (phone: 660-754-1000). They serve clients across Missouri, Iowa, Kansas, and Illinois.

What states does Brawner Insurance serve?

Brawner Insurance serves clients across four Midwest states: Missouri (MO), Iowa (IA), Kansas (KS), and Illinois (IL). They are based in Northeast Missouri with two office locations in Kirksville and Kahoka.

What is crop insurance and does Brawner Insurance offer it?

Crop insurance protects farmers against financial losses due to natural disasters, disease, or market price drops. Brawner Insurance offers a full range of crop insurance products including Multi-Peril Crop Insurance (MPCI), Crop Hail Insurance, Revenue Protection, Yield Protection, Supplemental Coverage Option (SCO), Enhanced Coverage Option (ECO), Pasture Rangeland & Forage (PRF), Livestock Risk Protection (LRP), and Livestock Gross Margin (LGM) — available in Missouri, Iowa, Kansas, and Illinois.

Is Brawner Insurance an independent insurance agency?

Yes, Brawner Insurance is an independent insurance agency with access to 50+ insurance carriers. This means they shop the market on your behalf to find the best coverage at the best price, rather than being tied to just one company.

How can I get a quote from Brawner Insurance?

You can get a free insurance quote by visiting https://www.brawnerinsurance.com/contact-us, calling the Kirksville office at (660) 665-1687, calling the Kahoka office at (660) 754-1000, or emailing admin@brawnerinsurance.com.

Does Brawner Insurance offer Medicare plans?

Yes, Brawner Insurance helps individuals navigate Medicare options and find the right plan with confidence. They offer Medicare insurance solutions across Missouri, Iowa, Kansas, and Illinois.

Revenue Protection · MO · IA · KS · IL

Protect Your Yields. Protect Your Prices.

Revenue Protection is the most popular MPCI option for a reason — it protects against both yield losses AND price declines. We help farmers across the Midwest lock in revenue protection at the right coverage level.

Get a Free Quote → Explore Coverage

★★★★★5.0 Rating

50+ Carriers

MO, KS, IA, IL

80+ Reviews

Most Popular MPCIRP is the #1 chosen option

Independent AgencyWe shop 50+ carriers

4 States CoveredMO, KS, IA, IL

Local SupportTwo Missouri offices

Jump to: Yield Loss Price Decline Combined Harvest Price Federal Subsidy

Why It Matters

Why Revenue Protection Is the #1 Choice

Yield Protection only pays when your yield drops. But what if yields are okay and prices crash? Or what if both happen at once? Revenue Protection covers BOTH risks in one policy — paying out whenever your total revenue falls below your guarantee, regardless of cause.

As an independent agency, Brawner walks farmers through Revenue Protection coverage — explaining the harvest price option, helping you choose the right coverage level, and maximizing federal subsidies. RP is the most popular MPCI option for a reason.

Yield + Priceprotection in one combined policy

50%-85%coverage levels available based on APH

38-80%federal premium subsidy from USDA

Revenue Protection is the cornerstone of modern crop risk management — combining yield and price protection in one policy with massive federal subsidies. Most row-crop farmers across the Midwest carry RP for good reason.

Get a Free Quote →

Lock in revenue protection today.

We'll review your APH, walk you through coverage options, and help you maximize federal subsidies — at no cost to you.

Get a Free Quote →

660-665-1687 · 660-754-1000

Coverage Options

Revenue Protection Through Brawner

Revenue Protection combines yield and price coverage in one powerful policy. Here's what we help farmers put in place.

Yield Loss Protection

Pays you when your actual yield falls below your guaranteed yield level — caused by drought, flood, disease, insects, or other natural perils.

Learn More →

Price Decline Protection

Pays you when commodity prices drop below the projected price set at planting — protecting your revenue from market volatility.

Learn More →

Combined Yield + Price

Revenue Protection combines yield and price coverage in one policy — paying out whenever the combination of your yield and price falls below your guarantee.

Learn More →

Harvest Price Option

Standard RP uses the higher of planting or harvest price — protecting you when prices RISE between planting and harvest, locking in upside potential.

Learn More →

Federal Subsidy Support

Revenue Protection is part of the federal MPCI program — meaning premiums are subsidized 38-80% by USDA, making comprehensive coverage affordable.

Learn More →

Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

Talk to an Agent →

Your Options

Revenue Protection vs. Yield Protection — Which Fits You?

Revenue Protection and Yield Protection are the two main MPCI products. Here is how they compare.

Option 1

Revenue Protection (RP)

Covers yield OR price losses
Guarantee uses higher of projected or harvest price
Most popular MPCI product nationwide
Responds to falling markets AND poor yields
Higher premium than Yield Protection
Comprehensive coverage for market exposure

Best for: most row-crop producers who want protection against both yield and price risk.

Option 2

Yield Protection (YP)

Covers yield losses only
Guarantee based on Approved Yield and coverage level
Payments only triggered by low yields
Does not respond to market price movements
Lower premium than Revenue Protection
Good fit if crop is already forward priced

Best for: producers who have hedged and only need yield protection.

Most Midwest producers choose Revenue Protection for its comprehensive coverage. We will help you model the right election.

Compare My Crop Options →

Not sure which product is right for your fields?

We will review your crops, marketing plan, and APH history to recommend the right MPCI election.

Get a Free Crop Review →

660-665-1687 · 660-754-1000

Key Moments

When to Review Your RP Elections

Revenue Protection decisions must be made by sales closing deadlines. Here are the moments to plan around.

Before Sales Closing

Spring crops typically have a March 15 sales closing date. Plan your review by mid-February.

APH Updates

Your Approved Yield updates each year. A shift in APH changes your guarantee — always review.

Marketing Plan Changes

If your hedging or forward pricing plans change, RP vs YP economics shift. Rerun the numbers.

Annual Review

Every season is different. Brawner rebuilds your crop program fresh each year with current prices and APH.

Planning Tip: RP sales closing is a hard deadline. Brawner Insurance reaches out in January to start your review in plenty of time.

Our Process

How We Help You Protect Revenue

Review Your Situation

We learn about your needs, current coverage, and priorities so we can recommend the right Revenue Protection policy.

Compare Carriers

We shop your Revenue Protection across top carriers to find competitive pricing and the right fit.

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no jargon.

Set Up and Support

We handle the binding, paperwork, and stay available year-round 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?

Schedule a Consultation →

Getting Started

How Revenue Protection Works

Free Consultation

We start by understanding your situation, needs, and budget so we can recommend the right Revenue Protection policy for you.

Plan Comparison

We compare Revenue Protection policies from multiple top carriers, explaining coverages and costs in plain English.

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why producers across the Midwest trust Brawner Insurance for Revenue Protection.

★★★★★

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

Revenue Protection FAQ

What does Revenue Protection cover?

Revenue Protection covers losses from low yields, low prices, or both. The guarantee uses the higher of projected or harvest price, giving you upside protection. Brawner Insurance helps you elect the right level.

How much does Revenue Protection cost?

RP premiums are federally subsidized 38-80% depending on coverage level. Cost varies by crop, county, APH, and election. Brawner Insurance runs the numbers for your operation.

What is the harvest price exclusion?

Harvest Price Exclusion is a lower-cost RP variant that does not use the harvest price in the guarantee. Most producers choose RP with harvest price option for better protection. Brawner explains the tradeoff.

When is the sales closing deadline?

Most Midwest spring crops close on March 15. After that you cannot change elections until next year. Brawner Insurance ensures deadlines are met.

How are RP claims paid?

Claims are based on actual revenue versus your guarantee. An adjuster verifies yields and the harvest price is published by RMA. Brawner Insurance helps you document and file claims.

Can Brawner Insurance help me find the right revenue protection policy?

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

Protect your revenue from every angle.

Brawner Insurance helps farmers across the Midwest build the right Revenue Protection program — 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

View Location →

Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

View Location →

Protect Your Yields. Protect Your Prices.

Why Revenue Protection Is the #1 Choice

Lock in revenue protection today.

Revenue Protection Through Brawner

Yield Loss Protection

Price Decline Protection

Combined Yield + Price

Harvest Price Option

Federal Subsidy Support

Build your policy.

Revenue Protection vs. Yield Protection — Which Fits You?

Revenue Protection (RP)

Yield Protection (YP)

Not sure which product is right for your fields?

When to Review Your RP Elections

Before Sales Closing

APH Updates

Marketing Plan Changes

Annual Review

How We Help You Protect Revenue

Review Your Situation

Compare Carriers

Explain Your Options

Set Up and Support

Insurance Insights & Education

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

Introducing the ResponderShield Desk Series — Real Insurance Conversations

How Revenue Protection Works

Free Consultation

Plan Comparison

Easy Enrollment

Year-Round Support

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

Revenue Protection FAQ

What does Revenue Protection cover?

How much does Revenue Protection cost?

What is the harvest price exclusion?

When is the sales closing deadline?

How are RP claims paid?

Can Brawner Insurance help me find the right revenue protection policy?

Protect your revenue from every angle.

Our Office Locations

Kirksville, MO

Kahoka, MO

Other Insurance from Brawner

Auto Insurance

Home Insurance

Umbrella Insurance

Life Insurance

Farm Insurance

Business Insurance