If a production loss occurs, the loss will be paid at the greater of the planting price or the harvest price. Guarantees are based on units. The other main difference is that production losses are paid at the planting price - no upward price movement with the insurance guarantee. RA is like CRC with optional units allowed. Like IP, RA doesn't allow upward price movement to pay production losses.
Many companies also cover transit losses, lightning, vandalism, etc.
Grain storage is in many hail contracts which can supplement or replace similar coverage in a farm owners policy. About Us 1999-2001 .