Multi-Peril Crop Insurance (MPCI)
Multi-peril Crop Insurance (MPCI) is a government-subsidized coverage service delivered by private companies.
MOMENTUM AG offers a full suite of federally subsidized crop insurance products and private products like hail and wind protection. Our expert agents strive to ensure your insurance is as unique as your operation.
Custom Coverage
No two farms are the same, so your crop insurance coverage shouldn’t be either. By analyzing your farm’s historic yield data, local weather patterns, crop marketing plans, risk tolerance, budget and other factors, our agents will develop a policy that’s specific to your needs.
Data-Backed Approach
We work with you to create a virtual snapshot of crop risk both in your region and on your individual farm. Utilizing 30+ years of data, we help you compare different coverage scenarios to see how they would work for you before making a final crop insurance decision.
Trusted Agents
Our agents are focused on one thing: protecting your crop investment.
They aren’t also managing a suite of other non-ag insurance services like home or car coverage for a long line of customers; they’re only focusing on ag insurance products that put you first.
If you haven’t gotten a second opinion on your crop insurance in the last few years, now is the time to see how a personalized approach to insurance could make a major difference in your operation.
Multi-Peril Crop Insurance FAQ
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What is Multi-Peril Crop Insurance (MPCI)?
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Multi-Peril Crop Insurance helps protect your operation against losses from unavoidable events, including drought, excess moisture, hail, frost, wind, disease, and insects. It is federally supported and offered through approved insurance providers.
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Who is eligible for MPCI?
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Most producers growing insurable crops are eligible, including row crops, specialty crops, forage, and some livestock feed crops. Eligibility depends on crop type, county, and production history.
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What does MPCI cover?
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MPCI covers losses caused by natural events beyond your control, including:
- Drought
- Excess moisture or flooding
- Hail and wind
- Frost or freeze
- Heat
- Plant disease and insects, when unavoidable
Coverage varies by policy and crop.
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What is APH?
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APH stands for Actual Production History. It is your historical yield record and is used along with your coverage level to determine your guarantee. Generally, the more accurate and complete your records, the better your coverage reflects your operation.
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How do coverage levels work?
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You choose a coverage level, typically between 50 and 85 percent of your APH yield. Higher coverage levels provide more protection but come with higher premiums.
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Is MPCI expensive?
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Premiums are partially subsidized by the federal government, which makes MPCI more affordable than private insurance. Your final cost depends on crop, coverage level, county, and production history.
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When do I need to sign up?
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Sales closing dates vary by crop and county. Most spring-planted crops have a sales closing date in early spring. Missing the deadline means waiting until next year for coverage.
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How are claims handled?
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If you experience a loss, contact your Momentum Ag agent as soon as possible. An adjuster will be assigned to review your claim, inspect fields if needed, and determine payment based on your policy terms.
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Can MPCI work with other risk management tools?
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Yes. MPCI is often used alongside other insurance products, such as hail insurance, and marketing strategies, to build a comprehensive risk management plan.
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If MPCI covers hail, why do I need a separate Crop-Hail policy?
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While MPCI does cover hail, it only pays after your total production falls below your guaranteed yield for the entire crop year. A hail loss alone may not trigger an MPCI payment if your overall yield still meets your guarantee.
Crop-Hail insurance is different. It provides field-by-field protection and can pay quickly after a hail event, even if the rest of the crop performs well. This can help cover replant costs, input expenses, or lost income right away.
Many producers use Crop-Hail alongside MPCI to fill coverage gaps and protect against spot losses that MPCI may not fully cover.
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Why work with Momentum Ag?
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Momentum Ag works with producers to tailor coverage to their operation, explain options clearly, and help navigate claims when losses occur. Our goal is to protect your bottom line and help your operation stay financially strong.
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Who should I contact with questions?
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Contact your Momentum Ag agent for help reviewing coverage options, deadlines, or making changes to your policy.
Get a Free Quote
Call 866-878-7133 to speak with an agent or complete the form below for more information.
MPCI Coverage Options from Momentum Ag
Protect your operation against low yields and/or falling prices.
MPCI policies provide coverage for loss of production or a combination of yield and price coverage. Many of our agents are farmers or ranchers themselves. We understand the Ag industry and create custom policies for your operation.