FS25 Midwest Ag Insurance V1.0
Before installing this version, remove the crop insurance mod because the two mods will conflict. Starting a new save is not required.
Midwest Ag Insurance adds an integrated crop and equipment insurance system to Farming Simulator 25.
This forms part of a larger system as well. Testing did not reveal any game-breaking issues. If you encounter something game-breaking, let me know. The mod will be revisited anyway when it becomes connected to the larger system as a complete whole.
Crop Insurance
Insure individual fields with coverage arranged around the needs of your operation.
- Per-field policies: Choose the field and crop that you want to insure.
- Flexible coverage: Set the coverage level when you buy a policy.
- Crop-specific premiums: Premiums use the insured acreage, crop type, estimated revenue, and configured premium rates in their calculation.
- Covered crop losses: Hail and wildfire loss events are supported, while optional wind-damage integration is available when the compatible Down Crops & Grain Economy mod is installed.
- Claims and policy history: Check policy records, eligible claims, payouts, and policies that have expired.
- Seasonal enrollment: The crop insurance enrollment period runs from November 1 through March 1.
- Policy duration: Crop policies stay active for 32 in-game days unless they are terminated earlier.
Equipment Insurance
Unexpected repairs may take a serious amount from your farm finances. Equipment Insurance helps pay eligible repair expenses for machinery you own.
Choose Your Coverage
Several insurance plans are available to match your operation:
- Economy, lower premiums with a higher deductible.
- Standard, balanced coverage and deductible.
- Premium, higher coverage with a lower deductible.
- Replacement Cost, coverage based on the cost of replacing the insured machine with a new equivalent configuration.
The actual premium is determined by the insured value and applicable underwriting factors.
Insure Equipment Your Way
- Individual policies: Select particular machines for insurance.
- Blanket coverage: Cover eligible owned equipment through one fleet-wide policy.
- Usage and condition considerations: Applicable equipment classification, operating hours, and machine condition are considered in the premium.
- Automatic premium billing: Premiums are billed periodically, and rates are recalculated when applicable equipment information changes.
- Coverage limits: Annual aggregate limits help manage the total amount of claim payments.
- Policy management: Review insured machines, coverage levels, deductibles, premiums, claims, and policy status.
Repair-Based Claims
Equipment claims depend on eligible repair expenses, not only on a mechanical fault existing.
- Eligible vanilla workshop repairs can generate pending claims.
- Compatible Advanced Damage System (ADS) component repairs and replacements can generate claims when they meet the coverage requirements.
- Routine maintenance, cosmetic work, and excluded service types do not qualify.
- Damage or breakdowns that existed before coverage began are excluded.
- Claims must be submitted through the insurance interface and are subject to the policy’s deductible, coverage percentage, remaining annual limit, and eligibility rules.
- Self-performed ADS repairs do not generate insurance claims.
Manage Your Policies In-Game
The integrated Midwest Ag Insurance interface brings crop and equipment coverage management together in one place.
From the interface, review active policies, purchase coverage, check premiums and insured values, submit eligible claims, and examine your insurance history without using external spreadsheets or menus.
Compatibility
- Game: Farming Simulator 25
- Multiplayer: Supported, needs further testing. Feedback from server players would be appreciated.
- Advanced Damage System: Optional integration for compatible ADS-managed equipment and repair records.
- Down Crops & Grain Economy: Optional integration for supported wind-related crop damage.
- FS25 Management: Optional integration when installed.
This mod is highly recommended to be used in conjunction with the Advanced Damage System mod.
You may also run it without ADS, and it will still work properly.
