What It Is:

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.

Trending Data:

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.

Impact on Outdoor Spaces:

• Browning, dying turf and ornamental vegetation.
• Higher irrigation demands leading to increased water bills and equipment strain.
• Loss of aesthetic appeal and functionality in communal spaces like parks, gardens, and entranceways.

How the Trigger Works:

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.