Winter Prep & Insurance

Winter is coming

It's coming – with all its ice, wind, snow, and unpredictable weather—winter is on its way. Even daily activities can take on a higher degree of difficulty in the winter, so you need to prepare. Running through a winter preparation list now can help you protect yourself, your home, and your property.

Be prepared

As a homeowner, you have a responsibility to keep your home and belongings in good condition, both for your comfort and safety and the safety of others. Not maintaining your home adequately could negate what your insurance will cover if you need to make a claim.

• Home: Your driveway and sidewalks should be kept clear of snow and ice; they should also be well lit for clear visibility during the winter months. Check your home insurance policy to see what winter upkeep you're responsible for, such as protecting pipes against freezing or clearing drainage gutters to avoid flooding. If you don't take care of maintenance, you could get stuck with the winter damage bill.
  
  
• Car: Get your car winterized –including checking oil, antifreeze, windshield wipers, tires—anything that could inhibit your ability to drive safely in inclement weather. Remember to go slower on winter roads to avoid spinning on ice or sliding through an intersection or into another car. As always, follow all traffic laws.
  
  
• Outdoor fun: Inspect any winter equipment you'll be using, including skis, sleds, or snowmobiles. Wear the appropriate safety gear and always be mindful of your surroundings and others around you. Remember, as the owner, you're responsible for taking the necessary precautions to winterize your home, car, and any outdoor activity equipment. Know what to do and who to call if an accident happens. Having a plan can help keep you safe and provide peace of mind.

Check the fine print

Make sure you understand exactly what your insurance policy covers. Coverage of any kind usually includes exclusions. Exclusions provide details on what's not covered by your insurance, including things that might have been covered if you had taken proper precautions. That's why winter prepping for safety is so important.

Standard policy exclusions include hail, wind, or ice damage, or flooding. If you live in an area with extreme weather conditions, you may want to read your policy or check with your agent to see if these types of damages are covered. If they're not, you may be able to purchase a separate insurance rider to get the protection you need.

Bottom line, you don't want to think you're covered for something only to find out you're not. Carefully read through your policy, especially the fine print, and be familiar with what is and isn't covered. If you have questions, call your insurance agent for clarification. Your agent can answer questions on your policy's specifics and recommend extra coverage if you think it's needed.

We can help answer your questions about protecting yourself during the winter months. Call or contact Sea Mountain Insurance and let us help you stay safe and prepared for this winter season.