Turfgrass Value Select (TVS)
Turfgrass Value Select is a new federally subsidized pilot program introduced by the RMA in 2026 specifically for turfgrass producers. TVS is an inventory-based plan of insurance that allows you to select a dollar amount of coverage for certain turfgrass types based on your expected inventory and risk management needs.
Turfgrass represents a significant investment in land preparation, irrigation, labor, and growing time. When valuable turfgrass inventory is damaged by events such as flooding, drought, freeze, hurricanes, fire, wildlife, or earthquakes, and more, the financial impact can be substantial. The TVS program was developed specifically to help protect the value of your eligible inventory from losses caused by these events.
New program that helps protect the value of your irrigated turfgrass inventory
Helps Preserve cash flow when unexpected events impact production
Flexible and customizable coverage options for your operation
Tropical storm and hurricane coverage options available in select areas
How Does Turfgrass Value Select Work?
Unlike most crop insurance products, TVS is based on your turfgrass inventory as opposed to yield or revenue. To set up your coverage, you would need to select a “Selected Value (SV)” which represents your estimated value of the irrigated turfgrass you want to insure. This value must be supported by your annual turfgrass value report (TVR) through inventory records, sales records, and other business documentation. You then select a coverage level between 50%-85% which determines how much of the selected inventory value is insured. For example, an SV of 1,000,000 with a 75% coverage level would provide roughly $750,000 of insurance coverage.
Contact us to Get Started with Turfgrass Value Select!
How Does Turfgrass Value Select Work?
Unlike most crop insurance products, TVS is based on your turfgrass inventory as opposed to yield or revenue. To set up your coverage, you would need to select a “Selected Value (SV)” which represents your estimated value of the irrigated turfgrass you want to insure. This value must be supported by your annual turfgrass value report (TVR) through inventory records, sales records, and other business documentation. You then select a coverage level between 50%-85% which determines how much of the selected inventory value is insured. For example, an SV of 1,000,000 with a 75% coverage level would provide roughly $750,000 of insurance coverage.
Turfgrass Value Select is a new federally subsidized pilot program introduced by the RMA in 2026 specifically for turfgrass producers. Turfgrass represents a significant investment in land preparation, irrigation, labor, and growing time. When valuable turfgrass inventory is damaged by events such as flooding, drought, freeze, hurricanes, fire, wildlife, or earthquakes, and more, the financial impact can be substantial. The TVS program was developed to help protect the value of your eligible inventory from losses caused by these events.
New program that helps protect the value of your irrigated turfgrass inventory
Helps Preserve cash flow when unexpected events impact production
Flexible and customizable coverage options for your operation
Tropical storm and hurricane coverage options available in select areas
New program that helps protect the value of your irrigated turfgrass inventory
Helps Preserve cash flow when unexpected events impact production
Flexible and customizable coverage options for your operation
Tropical storm and hurricane coverage options available in select areas
Contact us to Get Started with Turfgrass Value Select!
Contact Us!How Does Turfgrass Value Select Work?
Unlike most crop insurance products, TVS is based on your turfgrass inventory as opposed to yield or revenue. To set up your coverage, you would need to select a “Selected Value (SV)” which represents your estimated value of the irrigated turfgrass you want to insure. This value must be supported by your annual turfgrass value report (TVR) through inventory records, sales records, and other business documentation. You then select a coverage level between 50%-85% which determines how much of the selected inventory value is insured. For example, an SV of 1,000,000 with a 75% coverage level would provide roughly $750,000 of insurance coverage.
Covered Causes of Loss
The TVS pilot program currently covers against the following perils:
- Adverse Weather Conditions: (examples include drought, flooding, freeze, hurricanes, and other qualifying events)
- Wildlife
- Dead or Zero Market Value (if due to insured peril)
- Failure of the Irrigation Water Supply (if due to an insured peril)
- Fire ( provided weeds and undergrowth near the location where the insured turfgrass is grown are controlled by chemical or mechanical means)
- Earthquake
- Insects and Disease (if no effective control exists)
What Endorsements Are Available?
Hurricane Insurance Protection – Wind Index (HIP-WI) is an endorsement available in eligible counties in select coastal and hurricane-prone states. This endorsement provides protection against named hurricanes that have sustained winds of 74mph or greater that impact your covered county, or adjacent counties. The Tropical Storm option is also available if you choose to add HIP-WI. This option requires a named tropical storm with sustained winds of 39-73mph, with 6+ inches of county-weighted rainfall over a 4-day measurement period to trigger. Like HIP-WI, this can affect your covered county or adjacent counties.
Occurrence Loss Option (OLO) is a shallow loss coverage endorsement that triggers when the loss exceeds 10% of the lesser of pre-loss actual unit value or SV minus prior unit loss, unless otherwise specified in the special provisions. OLO is designed to provide coverage for smaller losses that may not generate a payment under the base TVS deductible structure, allowing indemnities to be paid sooner following a qualifying loss.
How Do Turfgrass Value Select Claims Work?
After a covered cause of loss, an adjuster determines the actual unit value from before the loss and the post loss damage value of the insured turfgrass inventory. The difference between those values is used to determine the amount of loss for the claim calculation. If the calculated loss exceeds the applicable deductible, an indemnity may be due.
With TVS, you can work directly with the adjuster to help determine the reduction in value of your insured turfgrass inventory according to policy guidelines. This helps provide greater transparency throughout the claims process.
After a covered cause of loss, an adjuster determines the actual unit value from before the loss and the post loss damage value of the insured turfgrass inventory. The difference between those values is used to determine the amount of loss for the claim calculation. If the calculated loss exceeds the applicable deductible, an indemnity may be due.
CLAIM EXAMPLE
Inventory Value: $1,000,000
Coverage Level: 75%
Insured Value: $750,000
A hailstorm causes $300,000 of covered damage.
Producer Risk: $250,000
Potential Payment: $50,000
Please note. This example is an illustration only. Actual indemnities
depend on approved sales values, policy provisions, stage
factors, coverage elections, and loss adjustment procedures.
With TVS, you can work directly with the adjuster to help determine the reduction in value of your insured turfgrass inventory according to policy guidelines. This helps provide greater transparency throughout the claims process.
TVS uses several damage categories to determine the portion of the indemnity payable following damage from an insurable cause of loss.
- Undamaged: (0.00 damage factor) – Not damaged, dead, or of zero market value (no indemnity)
- Damaged: Physically damaged and not marketable in its current condition but may be rehabilitated as determined by the AIP, and is not dead/zero market value turfgrass.
- Retained Damage: (0.50 damage factor) – Damaged turfgrass that you elect to rehabilitate or retain for another use, such as to harvesting for sprigs or plugs.
- Must maintain identity or it will be uninsurable. (keep it identifiable from undamaged turfgrass.)
- Can receive the remaining 0.50 damage factor during the crop year if loss occurs that results in the damaged turfgrass ending with a dead/zero market value determination.
- Discarded Damage: (0.75 damage factor) – Damaged turfgrass that is unharvested and that you elect not to rehabilitate and elect not to retain for other use.
- Must verify turfgrass is destroyed before an indemnity is paid.
- Retained Damage: (0.50 damage factor) – Damaged turfgrass that you elect to rehabilitate or retain for another use, such as to harvesting for sprigs or plugs.
- Dead/Zero Market Value: (1.00 damage factor) – Turfgrass that, as determined by the AIP, is damaged with no sign of ability to recover to a makertable quality determined in accordance with the FCIC approved procedures.
- Must verify Turfgrass is destroyed before an indemnity is paid.
TVS uses several damage categories to determine the portion of the indemnity payable following damage from an insurable cause of loss. Select each option below to learn more.
Turfgrass Value Select Eligibility Requirements
Which States are Currently Eligible for the Turfgrass Value Select Pilot?
As of August 2026, the following states currently have access to TVS: Alabama, Florida, Georgia, Illinois, Minnesota, Missouri, North Carolina, Oklahoma, South Carolina, and Texas.
PLEASE NOTE: Just because the TVS pilot program is available in your state, does not mean every county is offering it, or that every type of turfgrass is available to be covered in your specific state and county. Make sure to check with your crop insurance agent first.
What Types of Turfgrass are Eligible?
For the Turfgrass Value Select Pilot Program, the following turfgrass types can be covered. Please check with your crop insurance agent to verify if your type is covered in your specific state and county.
Type |
Season |
|---|---|
| Bermuda | Warm Season |
| Centipede | Warm Season |
| St. Augustine | Warm Season |
| Zoysia | Warm Season |
| Kentucky Bluegrass | Cool Season |
| Tall Fescue | Cool Season |
| Tall Fescue/ Kentucky Bluegrass Mix |
Cool Season |
Other Turfgrass Value Select Eligibility Requirements
Currently, to be eligible for the TVS program, you must also
- Must have sold a turfgrass type and variety in one of the last 3 years to be insurable.
- Maintain adequate irrigation unless otherwise provided in the Special Provisions.
- Follow good production and farming practices.
- Grow the turfgrass in an appropriate medium
- Sell insured turfgrass with the root system still attached.
Additional eligibility requirements may apply based on your operation and the applicable policy provisions. If you are unsure whether your turfgrass operation meets the requirements, make sure to connect with your crop insurance agent for assistance.
