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Home Insurance

How Winterization Can Help Lower Your Home Insurance Premium

While freezing temperatures, snow and ice are inevitable in many areas, you can take action to mitigate the damage the winter elements can cause. Winterization means preparing your home for the harsh conditions that the winter season brings with it. Here’s how winterizing your home can help lower your home insurance premium. 

What is Winterization?

When you winterize your home, you’re protecting it from winter damage. By preparing your home before a storm blows through, you lessen the chance of needing expensive, often time-consuming repairs. Insulating pipes, sealing gaps in your walls and foundation, and maintaining heating systems are some key ways to winterize your home. 

The Relationship Between Winterization and Home Insurance Premiums

Whenever you make a claim with your home insurance company, you risk a rate hike. The idea of insurance is to only use it in the case of an emergency. If you’re using it for all kinds of claims, the insurance company will eventually start charging you more to make up for the costs. Winterizing your home reduces the chance of winter home emergencies related to the weather, which should keep your insurance rates steady. 

Other Ways Winterization Can Lower Your Costs

Winterizing your home makes it less likely that you will need to put in an insurance claim. This means less time and money spent on repairs, going back and forth with the insurance company, and wasting your valuable time in other ways while you wait for the claim to be approved. 

In the long term, you reduce the need for professional repairs and maintenance on your home. Preparing your home every winter means that it won’t sustain the most common forms of winter damage, ultimately saving you money. 

Winterization Tips and Tricks

If you’re new to the concept of winterizing your home, you may not know which steps need to be taken. Here are some of the best ways to winterize:

  • Insulate your pipes using foam insulation around the exterior.
  • Carefully shovel away snow in outdoor walkways, driveways, carpools and doorsteps.
  • Use salt on the sidewalks before it snows to prevent ice buildup. 
  • Clean your gutters routinely to avoid ice buildup, which can damage them over time.
  • Make sure your roof is in good condition before the winter storms come.

Winterization can keep your home protected from damage and keep you protected from a home insurance rate hike. Need new home insurance? Shop coverage options from over 50 top-rated insurers today using Nsure. Be sure with Nsure! 

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