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Yield Protection  ·  MO  ·  IA  ·  KS  ·  IL

Simple Yield Coverage. Affordable Protection.

Yield Protection is the simplest MPCI option — covering yield losses from natural perils at lower premiums than Revenue Protection. Ideal for farmers who hedge prices separately or want straightforward coverage.

Get a Free Quote  → Explore Coverage
★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Yield-Only CoverageSimple, affordable MPCI option
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Yield Protection Works

Not every farmer needs price protection. Many growers hedge commodity prices through forward contracts, futures, or options — and just want simple yield risk coverage. Yield Protection (YP) is built exactly for that need: protecting against yield losses from drought, flood, hail, freeze, disease, and insects.

As an independent agency, Brawner walks farmers through Yield Protection coverage — explaining the difference between YP and RP, helping you choose the right coverage level, and maximizing federal subsidies. YP is the most affordable way to get federal crop coverage.

MPCI crop coverage
Yield-Onlysimple coverage focused on production losses
50%-85%coverage levels available based on APH
38-80%federal premium subsidy from USDA

Yield Protection is the foundation of MPCI for farmers who hedge their own prices. Lower premiums than RP, simpler to understand, and still backed by federal subsidies that make it affordable for any operation.

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Need yield protection only?

We'll review your APH, walk you through YP options, and help you decide if YP or RP fits your operation best — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Yield Protection Through Brawner

Yield Protection offers simple, affordable coverage against yield losses. Here's what we help farmers put in place.

Yield Protection

Yield Guarantee

Yield Protection (YP) guarantees a percentage of your APH yield — paying you when actual yields fall below the guarantee due to natural perils.

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Revenue Protection

Natural Disaster Coverage

Protects against yield losses from drought, excessive moisture, hail, wind, frost, freeze, disease, and insect damage — the full range of weather risks.

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RP-HPE coverage

Lower Premium Option

Yield Protection costs less than Revenue Protection because it only covers yield risk — ideal for farmers who hedge prices separately or use forward contracts.

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Area Risk Protection

Simple & Predictable

YP uses your APH yield and the projected price set at planting — no harvest price calculations or market volatility surprises. Straightforward coverage.

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Supplemental Coverage Option

Federal Subsidy Support

Yield Protection is part of federal MPCI — premiums are subsidized 38-80% by USDA, making it one of the most affordable risk management tools available.

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Every Operation Is Different

Build your policy.

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

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Your Options

Yield Protection vs. Revenue Protection — Which Fits You?

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

Option 1

Yield Protection (YP)

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

Best for: producers who have hedged or forward-priced and only need yield protection.

Option 2

Revenue Protection (RP)

  • Covers yield OR price losses
  • Guarantee uses higher of projected or harvest price
  • Most popular MPCI product nationwide
  • Responds to both yield and market drops
  • Higher premium than Yield Protection
  • Comprehensive protection for market exposure

Best for: producers wanting comprehensive protection against both yield and price risk.

Most Midwest producers choose RP for its comprehensive coverage. YP can be the right fit when you have already managed market risk separately.

Compare My Crop Options →

Not sure which product is right for your fields?

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

Get a Free Crop Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your YP Elections

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

Before Sales Closing

Spring crops close on March 15 in most of the Midwest. Plan your review in January or early February.

Forward Pricing Decisions

YP makes most sense when you have already locked in price through hedging. Review whenever your marketing plan changes.

APH Updates

Your Approved Yield shifts each year. Changes in APH change your coverage — always rerun the numbers.

Annual Program Review

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

Planning Tip: YP 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 Your Yields

1

Review Your Situation

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

2

Compare Carriers

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

3

Explain Your Options

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

4

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 Yield Protection Works

1

Free Consultation

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

2

Plan Comparison

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

3

Easy Enrollment

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

4

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 Yield 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

Yield Protection FAQ

What does Yield Protection cover?

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Yield Protection covers losses from low yields below your guarantee. It does not respond to price movements. Brawner Insurance helps you decide whether YP or RP better fits your operation.

How much does Yield Protection cost?

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YP premiums are federally subsidized 38-80% depending on coverage level. YP generally costs less than RP. Brawner Insurance runs the numbers for your operation.

What is the difference between YP and RP?

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YP covers yield losses only. RP covers yield OR price losses. RP is more comprehensive; YP is cheaper. Brawner Insurance helps you choose based on your marketing plan.

When should I choose YP over RP?

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YP can be the right choice when you have already locked in crop prices through hedging or forward contracts. For most unhedged producers, RP is the better fit. Brawner Insurance helps you decide.

How are YP claims paid?

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Claims are based on actual yield versus your guarantee. An adjuster verifies the harvest. Brawner Insurance helps you document and file claims through to payment.

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

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Yes — as an independent insurance agency, Brawner Insurance shops your yield 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 yields from every angle.

Brawner Insurance helps farmers across the Midwest build the right Yield 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

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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