I’ve had a few bad crop years. How will my production and guarantees be affected?

For crop insurance purposes, a record of all of your yields are kept on each farm for the most recent 10 years the crop is planted if you have individual coverage (RP, RPHPE, YP). The average of those years is then used to help establish your crop insurance guarantee for the next crop year. The effect of a good or bad production year on your insurance guarantee is dependent on how many years are in your crop insurance records. In addition, adding endorsements to your policy like the Trend Adjustment (TA), Yield Adjustment (YA), Yield Exclusion (YE), Yield Cup (YC), and Quality Loss Option (QL) can be a great way to take advantage of database increases and safety nets to make sure your production average doesn’t decrease due to loss years.