As the leaves begin to turn and the days grow shorter, it’s important to make sure that you have the right insurance coverage for the winter season. This time of year can be especially treacherous, with ice and snow making roads and sidewalks dangerous. Here are a few tips to help you make sure you’re properly insured.
Check Your Coverage
The first step is to check your coverage and make sure you have the right insurance for your needs. If you’re not sure, contact your insurance agent and ask for them to review the policy with you. They will be able to tell you what kind of coverage you have and whether or not it meets your needs.
IMPORTANT! Some policies automatically cover winter weather damage, but others do not. Since we live in an area that is prone to severe winter weather, it’s a good idea to make sure you have coverage for things like ice dams, wind damage, and freezing pipes.
Review Your Deductibles
Your deductible is the amount of money you have to pay out-of-pocket before your insurance policy kicks in. Make sure you know what your what deductibles are for different types of claims, such as wind damage or freezing pipes.
If you have a high deductible, you may want to consider increasing it so that your premiums are lower. However, keep in mind that if you do have to make a claim, you’ll have to pay more out-of-pocket.
Get A Quote For Extra Coverage
If you don’t already have coverage for things like wind damage or freezing pipes, now is the time to get a quote. Some insurers offer special winter weather packages that can be added on to your existing policy.
Making sure you have the right insurance coverage for the winter season doesn’t have to be difficult. By following these simple tips, you can rest assured knowing that you and your property are protected from whatever Mother Nature throws your way.