Pasture Rangeland Forage Program Differs from Traditional Crop Insurance

The Pasture Rangeland Forage, federal crop insurance policy is an area-based insurance plan that covers perennial pasture rangeland, or forage used to feed livestock, and it has a closing date that is fast approaching, which is December 1. The program is not drought insurance, but instead insures against the lack of precipitation. Steve Hashe, veteran crop insurance advisor and owner of Midwest Ag Group on the PRF program and how it's different from regular crop insurance.

“You don't have any claims adjuster. If you have a claim, it's all done remotely with your insurance company. If you do have a indemnity coming to you, most likely at this check sent in the mail or direct deposited to your account based off of NOAA weather patterns that are in your grid. It's a little strange people that start out doing it. It's a little different, because people are used to working a claim a certain way, with a crop adjuster and records and things like that. But with PRF, you don't do that.”

Hashe says, there's an option to take out PRF insurance in two month increments.

“First of all, you'd need to supply your agent with like an FSA map and a location of your pasture, range land or your forage and they can get in the program and zero in on your land, figure out which grid it is in, and then quote you what it's going to cost you.”

Crop Insurance Advisor, Steve Hashe.