Coverage triggers when temperatures fall below a critical threshold (for example, below 24°F for a set number of consecutive hours) at your insured location. Frost events can stress or damage landscaping, irrigation systems, and exterior amenities.
The USDA reports frost events have been increasing in unusual regions due to shifting climate patterns. In recent years, early-season frosts have caused billions in agricultural and outdoor asset losses nationwide.
When temperatures drop below the set threshold and the event is verified by trusted weather data, you submit a simple claim. No damage inspection needed — just verification and payout.
Coverage triggers when rainfall falls below a defined minimum (for example, less than 0.1 inches over 30 days) at your insured location. Extended dry conditions put significant stress on landscapes, communal green areas, and outdoor utilities.
According to the U.S. Drought Monitor, drought-like precipitation deficits now impact 40% of the United States at any given time. Landscaping and grounds maintenance costs increase by an estimated 30–50% during prolonged dry spells.
If precipitation falls below the set threshold and is verified by a trusted data source, you submit a claim. No inspections or proof of loss — just objective verification and payout.
Coverage triggers when rainfall exceeds a defined threshold (for example, more than 3 inches in 24 hours) at your insured location. Excessive rain events can overwhelm drainage, flood low-lying areas, and damage landscaping, irrigation, and exterior property features.
NOAA and regional climate reports show that extreme rainfall events are becoming more frequent and intense due to shifting climate patterns. In recent years, heavy downpours have caused billions in flood-related losses for outdoor spaces, facilities, and commercial assets.
When rainfall surpasses the set threshold and the event is verified by trusted weather data, you submit a simple claim. No damage inspection is needed — just verification and payout.
Coverage triggers when wind speeds or hail size exceed a defined threshold, for example, sustained winds above 74 mph (Category 1 hurricane strength) or hail larger than one inch in diameter at or near your insured location. These events often occur during hurricanes and tropical storms, bringing destructive winds, flying debris, and intense hail that can damage structures, landscaping, and outdoor assets.
Hurricane seasons have become longer and more active in recent years. NOAA and regional climate models show a rise in the frequency of severe tropical systems, with warmer ocean temperatures fueling stronger storms. These events cause billions of dollars in wind and hail-related losses every year, from roof and siding damage to extensive outdoor property impacts across coastal and inland areas.
When wind speeds or hail intensity surpass the set threshold and the event is verified by trusted weather data, a claim can be submitted immediately. No damage inspection is required; payout is based on verification alone, helping you recover quickly from storm impacts.
