Insurance

Owned by The Dev Team
Oct 04, 2024
2 min read

Insurance is a necessary thing in life, and so too, is it necessary in NextGen pixel farming. Below you’ll find information about the types of insurance available, and how to go about getting them so you are covered in the event of an unexpected happening on your farm!

 

Crop Insurance

Crop insurance is a smart move for any farmer, allowing you to help protect yourself from the woes of crop loss. Crop insurance covers any RNG event as well as FS25’s Tornado/Hail system. Currently, coverage is selected on a per parcel basis, with the following outlays…

  • 25% Coverage, which will generally cost 1-3% of expected yield.

  • 50% Coverage, which will generally cost 4-7% of expected yield.

  • 100% Coverage, which will generally cost 8-12% of expected yield.

Note: Coverages currently only cover the % of BASE yield, meaning the amount you’d get off a field with no liming, ferting, etc. Soon there will be a “Premium Waiver” option which will give you coverage on whatever your bonus yield % is, at an additional cost.

Animal Insurance

Animal insurance helps insure the replacement of animals with new babies in the event of a RNG event that eliminates some or all of your animals of a specific kind. Coverage is on a per head, per year basis for each animal type (Cows, Pigs, Etc). The coverages available are…

  • 25% Loss Replacement, costing generally 3-5% of the per head animal cost annually.

  • 50% Loss replacement, costing generally 5-7% of the per head animal cost annually.

  • 100% Loss Replacement, costing generally 8-12% of the per head animal cost annually.

Liability Insurance

Liability insurance serves two purposes. Firstly it is required if you are going to have labor on your farm (Including hiring other players to do contract work for you), secondly it covers you against RNG events which can sometimes happen to your farm. The coverages are…

  • 25% Coverage of incidents, costing generally .1-.3% of your current NAV annually.

  • 50% Coverage of incidents, costing generally .4-.75% of your current NAV annually.

  • 100% Coverage of incidents, costing generally .8%-1.5% of your current NAV annually.

Vehicle Insurance

This feature is coming soon!