Supplemental Replant Option (RO)

soreplantAlthough most Multiple Peril Crop Insurance (MPCI) policies include replant coverage, it may not cover all of your expenses for replanting. You can offset some of your replanting costs in excess of those covered by your underlying MPCI policy with our Supplemental Replant Option (RO) insurance. We don’t have a minimum acreage requirement, so our RO plans pay on an insured loss from the first acre damaged.

Insured perils include:

  • Adverse weather conditions
  • Naturally occurring fire
  • Insects, if sufficient pest control measures are used
  • Plant disease if sufficient disease control measures are used
  • Wildlife
  • Earthquake
  • Volcanic eruption
  • Irrigation supply failure due to an insured peril

What is it?

The Supplemental Replant Option (RO) policy offers you the opportunity to purchase private replanting reimbursement coverage as a supplement to your MPCI policy. To qualify for the RO policy, you must have an active MPCI policy.

Our replant option is a private, annual product, and is not reinsured by the Federal Crop Insurance Corporation (FCIC). NAU Country offers affordable rates and a $100 minimum premium. Several exclusions apply. Ask your agent for details.

Corn and soybean protection

We offer three levels for corn and soybeans‡: $20, $30, and $40 per acre. Supplemental replant coverage can attach when the crop is planted up to five (5) days prior to the earliest planting date. Plans are available in select states:

  • Alabama
  • Arkansas*
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky*
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri*
  • Nebraska
  • North Carolina
  • Ohio
  • South Carolina
  • South Dakota
  • Tennessee*
  • Virginia
  • Wisconsin

*In addition, a $50 per acre replant option is available in AR, KY, MO, and TN.

Cotton Protection

For cotton, we offer two coverage levels of $50 and $75 per acre. RO coverage for cotton is available in the following states:

  • Alabama
  • Arkansas
  • Georgia
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia

RO reimbursement calculation

In this example, the producer insures 200 acres of corn in one unit with 100% share and has elected $40 of coverage on the RO policy. On a 15 acre portion of the unit, it is determined by the company that it is feasible and necessary to replant. No replant payment was received on the CCIP policy. The $40 of elected coverage per acre will be used in calculating the reimbursement.

  • 15 acres × $40 elected coverage × 100% share = $600

† Rates vary by county. ‡ Corn must be harvested for grain or silage; soybeans must be harvested as beans. This is only an overview of the described product. It does not include all features, exclusions or limitations. Contact a local Marketing Rep today for more information!