Whitworth Horn and Goetten Insurance Agency

Our specialty

Crop insurance for Jersey & Greene County farmers.

Multi-peril crop insurance and crop-hail for corn and soybean growers, handled by a local agent who knows your ground and answers the phone when a storm rolls through.

Talk to a crop specialist Get a quote

Why your agent is the whole choice

The premium is the same everywhere. The agent is not.

Federal crop insurance premiums are set by the government, not by the agent. According to the USDA Risk Management Agency, every approved company charges the identical, federally-set rate for the same policy on the same farm. No agent can beat another on price.

So the real decision is not who is cheapest. It is who keeps your APH accurate, structures your coverage before the deadline, files your acreage report on time, and picks up the phone when hail flattens 200 acres in July. That is the entire job when the price is fixed, and it is the job Whitworth Horn and Goetten has done on this ground since 1977.

We write crop insurance for corn and soybean growers across Jersey County, Greene County, and the surrounding towns. We are not a call center in another state. We are the folks you see at the Jersey County Business Association, the ones who understand what a bad year does to a Greene County operation.

What we handle, all year

A good agent saves you thousands without changing your premium by a cent.

Crop insurance is not a one-time quote. It is a year-round job of paperwork, deadlines, and being there at claim time. Here is what we carry for you.

1

Structure your coverage every year

Revenue Protection vs. Yield Protection, coverage levels from 50% to 85%, enterprise or optional units, and the right endorsements for your operation, acres, and risk tolerance.

2

Keep your APH accurate

Your Actual Production History is the yield record your whole guarantee is built on. We make sure production gets reported every year, even the good ones, so a wrong number never comes back to cap a future claim.

3

File your acreage on time

Acres by crop, practice, and field, reconciled with your FSA certification by the July 15 acreage reporting date. A missed or wrong report can mean a reduced payout or none at all.

4

Manage the claim when it hits

You call us first, within 72 hours of finding damage. We trigger the loss adjuster and walk you through prevented planting, replant, and yield or revenue loss, start to finish.

The coverage, in plain terms

Two policies that work together.

Multi-peril crop (MPCI)

The federal program most Illinois growers build on. It covers broad yield and revenue losses across the whole season, from drought to flood to price drops. Revenue Protection, the common choice here, guarantees revenue using the higher of the projected or harvest price.

Crop-hail

A separate, private policy that covers hail and fire damage acre by acre, with no large deductible. You can add it almost any time in the season, even right before a forecast, and it fills the gap the MPCI deductible leaves exposed. Many growers carry both.

RP or YP? Revenue Protection covers both your bushels and the price; Yield Protection covers bushels only and costs less. Which one fits depends on your marketing and your risk. We will walk the numbers with you, no sales pitch.

The Illinois corn & soybean calendar

The dates that decide your coverage.

Miss one and it can cost you. We track them so you don’t have to, and we call before each one.

March 15Sales closingLast day to buy, change, or cancel coverage for the year.
Late AprilProduction reportingReport last year’s yields to keep your APH current.
Early JuneFinal plantingPlant by this date for the full guarantee (varies by county).
July 15Acreage reportingCertify planted acres, reconciled with FSA.

Final planting dates vary by county and practice. Call (618) 498-5508 to confirm the exact date for your ground.

Crop insurance questions

Answers before you call.

Who sells crop insurance near Jerseyville, IL?
Whitworth Horn and Goetten Insurance Agency writes multi-peril crop insurance and crop-hail for corn and soybean growers across Jersey and Greene County, from offices in Jerseyville and Carrollton. Crop insurance is the agency’s specialty. Call (618) 498-5508 to talk with a local crop agent who knows the ground you farm.
When is the crop insurance deadline in Illinois for corn and soybeans?
March 15 is the annual sales-closing date to buy, change, or cancel federal crop insurance on Illinois corn and soybeans. After that date, coverage decisions are locked for the season. Call Whitworth Horn and Goetten well before March 15 so there is time to structure your coverage the right way.
How much does crop insurance cost per acre in Illinois?
Crop insurance premiums are set by the USDA Risk Management Agency and heavily subsidized by the federal government, so the per-acre cost varies with your crop, your APH yield history, and the coverage level you choose. Because the rate is federal, the price is the same at every agent. Call (618) 498-5508 for a quote on your acres.
What is the difference between crop-hail and multi-peril crop insurance?
Multi-peril crop insurance (MPCI) is the federal program that covers broad yield and revenue losses across the season. Crop-hail is a separate, private policy that covers hail and fire damage acre by acre with no large deductible, and it can be added almost any time. Many growers carry both, and we help you fit them together.
What is the final planting date for corn in Illinois to keep full crop insurance coverage?
For most of Illinois the final planting date for corn is in early June, after which the guarantee steps down and prevented-planting rules apply. The exact date varies by county and by irrigated or non-irrigated practice, so call Whitworth Horn and Goetten at (618) 498-5508 to confirm the date for your ground before you plant.

Let’s get your crop covered right.

Call and talk it through with a real crop agent, or send a note and we will call you back. No runaround, no pressure, and no premium you couldn’t get anywhere else.

Call (618) 498-5508 Get a quote

Jerseyville & Carrollton, Illinois · Serving Jersey and Greene County since 1977

Call now Get a quote