Insurance Preparation for Winter Season
Winter is here again! While some look forward to having the time of their lives and others wish winter never comes, one thing is sure; we all need to take crucial steps to protect everything we hold dear.
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With the winter season comes winds, ice, snow, and rain that can damage your home, business, vehicles, and other properties. Before winter hits, you want to have all your insurance policies in place so you're not caught off guard.
Protect Your Home
If you made or are planning to renovate your property, check your insurance policy as it's unlikely the new addition is covered under your home policy. If any damage occurs, you could find yourself paying the repair cost out of your own pockets. Before winter strikes, talk with your insurance agent to get the right insurance to protect your costly renovation.
Review Your Auto Insurance
Winter is known for its high incidences of vehicle accidents, which is unsurprising given the icy roads, low visibility, snowdrifts, and other ever-present wintering conditions. Before the first sign of winter, review your auto insurance to confirm it'll cover you for the cold months ahead.
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You want to make sure your insurance is extensive enough to cover any eventualities. If you own a boat or an RV, which you won't put to use during the winter, ensure they are covered in case they're stolen or damaged by fire while in storage.
Update Your Property Insurance
You traveled far and wide during the summer, adding some artwork, jewelry, and other expensive items to your collection. If you've bought any expensive item recently, you want to update your property insurance so it covers them.
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Thanks to carelessness, short circuits in decorations, unextinguished candles, unattended cooking, and heating equipment, fire incidents are often rife during winter and could destroy your property. While no one hopes for a fire outbreak, it's better safe than sorry.
Get Liability Insurance
You've taken steps to protect yourself and your property. But you don't want to leave out liability insurance as it covers any liability you might incur if a neighbor or a friend sustains an injury on your property. Liability insurance also kicks in when you damage other people's property.
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While preparing yourself for the winter season might seem like a lot, you know you're fully covered and can save a lot of money when anything happens. And hey, winter can be fun too. Having the right insurance in place can let you get the most fun during the winter season. Get in touch and let's know how best to protect you in time for winter!
