Missouri SCO Coverage. Fill Your MPCI Gap.
From corn and soybean operations across northern Missouri to row-crop farms in the Bootheel, MO farmers use SCO to extend their MPCI coverage at the county level — Brawner Insurance helps Missouri farmers add Supplemental Coverage Option to their underlying MPCI policies and maximize federal subsidies.
Why Missouri Farmers Add SCO Coverage
Missouri has over 3 million acres of corn and soybeans, much of it covered by underlying MPCI policies. SCO is an ideal supplement for MO farmers who want to fill the gap between their MPCI deductible and 86% — especially in counties prone to widespread weather events like drought, hail, and tornadoes.
As an independent agency, Brawner Insurance walks Missouri farmers through SCO eligibility — explaining how it complements your underlying YP or RP policy, when county-level triggers benefit your operation, and how to maximize federal subsidies.
SCO is one of the most cost-effective ways Missouri farmers can extend their MPCI coverage. With 65% premium subsidy and county-level triggers, it fills the gap between your MPCI deductible and 86% — at a fraction of standalone insurance costs.
Get a Free Quote →Missouri farmers — extend your coverage.
Brawner Insurance helps Missouri farmers add SCO to their existing MPCI policies and maximize federal subsidies.
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Supplemental Coverage Through Brawner
SCO is a county-level supplemental endorsement that pairs with your underlying MPCI policy. Here's how it works for Missouri farmers.
County-Level Coverage
SCO indemnities are based on county-level losses — when your county's expected yield or revenue falls below the trigger, SCO pays out across the entire county.
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Fills Your MPCI Gap
SCO covers the area between your underlying MPCI deductible and 86%. If your MPCI policy covers 75%, SCO fills the gap from 75% up to 86% of expected county yield.
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65% Federal Subsidy
USDA subsidizes 65% of SCO premiums — making this gap-filling coverage extremely affordable on a per-acre basis when added to your underlying MPCI policy.
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Yield or Revenue Trigger
SCO follows your underlying MPCI policy — if you have YP, SCO triggers on county yield. If you have RP, SCO triggers on county revenue. Same protection structure, broader coverage.
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Pairs With YP or RP
SCO must be purchased with an underlying MPCI policy — Yield Protection or Revenue Protection. It's not standalone, but it dramatically extends your protection.
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We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.
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