What It Is:

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.

Trending Data:

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.

Impact on Outdoor Spaces:

• Damage to turfgrass, shrubs, and ornamental plants.
• Bursting or failure of irrigation lines and plumbing systems.
• Increased maintenance and replanting costs for communal areas, courtyards, and recreational grounds.

How the Trigger Works:

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.