Winter weather can bring freezing temperatures, icy roads, and unexpected storms—and with those conditions come unique risks to your home and vehicle. Having the right insurance coverage in place...

Winter weather can bring freezing temperatures, icy roads, and unexpected storms—and with those conditions come unique risks to your home and vehicle. Having the right insurance coverage in place can make all the difference when it comes to staying protected and avoiding costly surprises. Here are a few key areas to review as colder weather arrives.

Check Your Homeowners Coverage for Winter Risks

Winter can put stress on your home in ways other seasons don’t. It’s a good idea to make sure your policy offers solid protection against common cold-weather issues. Look for coverage that helps with frozen pipes, roof damage from heavy ice or snow, and water damage caused by melting ice. Understanding these details ahead of time can help keep small issues from becoming big ones.

Know What Your Auto Policy Covers in Winter Conditions

Driving in snow and ice increases the chances of accidents. Review your auto policy to ensure you have comprehensive and collision coverage. Comprehensive coverage protects you from things like falling branches or storm damage, while collision coverage helps if you slide on ice and hit another vehicle or object. Both are important pieces of winter protection.

Consider Roadside Assistance

Cold weather can make breakdowns more stressful. Adding roadside assistance to your policy can give you peace of mind if you find yourself stuck with a dead battery, flat tire, or vehicle that won’t start in freezing temperatures. It’s an affordable add‑on that can save you time and hassle.

Inspect Your Roof and Gutters

Before winter storms hit, check your roof for missing shingles and clean your gutters. While insurance can help with certain types of damage, prevention is always the best first step. A strong, well-maintained roof can reduce the likelihood of leaks or ice‑related issues.

Review Your Deductibles and Policy Limits

If winter weather causes damage, you’ll want to know exactly what your out‑of‑pocket costs will be. Take a moment to review your deductibles and ensure your coverage limits match the value of your home and vehicles. This helps ensure you won’t be caught off guard if you need to file a claim.

Preparing ahead of time makes winter safer and far more manageable. If you have questions about your coverage or want help reviewing your policies, we’re here to support you every step of the way.