5 Essential Winter Home Insurance Tips
While every season has its quirks, winter comes with a unique set of challenges for homeowners. From freezing pipes to slippery snow and ice, there’s a lot for homeowners to look out for during the winter season. That makes it the perfect time to review your home insurance and see if you have all the coverage you need. Here are a few tips for making sure you’re fully covered in the winter.
Tip 1: Review your coverage limits
When you set out to find homeowners insurance, you may not know exactly what coverage you need. As you’ve lived in your home for some time, it will become clearer what you should look out for. See what your policy covers, what it doesn’t, and whether that needs to change.
Tip 2: Evaluate your deductibles
Higher deductibles mean lower premiums, but they also mean that, if you have an emergency, you’ll be on the hook for more money. Take a look at your deductible, and see if it still makes sense for you.
Tip 3: Protect against winter-specific hazards
The best way to protect yourself from winter insurance headaches is to ensure that you won’t have to use your home insurance. Avoid frozen pipes by dripping cold water and keeping your home above freezing temperatures. Avoid ice damage by removing snow from gutters, drains and the driveway.
Tip 4: Prepare an inventory of winter belongings
Having an inventory of all the items in your home is useful, but it can be a huge task. During the winter, consider taking an inventory of the items you’re using that tend to be stored away during other seasons. Having a home inventory is a great way to keep yourself covered if you ever need to utilize your home insurance.
Tip 5: Understand policy exclusions
As important as knowing what your policy covers is knowing what it does not cover. Weather-related damage and regular wear and tear are often not covered under home insurance policies. If you read over your policy and need further clarification, contact your insurance agent.
Reviewing your home insurance policy in the winter is a great way to kick off the year. If you feel like it’s time for a new home insurance policy, Nsure can help. Review homeowners insurance options from over 50 top-rated insurance carriers today on Nsure.com, and be sure with Nsure!