Yield Protection (YP)

The Yield Protection (YP) and Actual Production History (APH) policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease. You select the amount of average yield you wish to insure, from 50-75 percent (in some areas to 85 percent), and the percent of the price you want to insure (between 55 and 100 percent).

The primary difference between YP and APH is how the price is determined. Crops insured through YP have a price set through a commodity exchange price provision. The APH plan is available for crops that do not have prices set by a commodity exchange. The price for APH is set by the Risk Management Agency (RMA).

Losses occur when the harvest yield is less than the yield insured due to a covered peril. Late planting, prevented planting, and replanting protection is part of the policy.