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  • Writer's pictureJoyce Insurance

The Unseen Risks: Insurance Considerations for Winter Weather

Winter is finally here, and with it, the extreme conditions that can cause injury to you and damage your car and home.

While most people tend to focus on the more obvious risks, like landscaping damage, there are some less apparent risks. In this article, we’ll discuss these risks and how the right insurance policy can help mitigate against potential problems.

Homeowners insurance

Homeowners insurance protects your home and provides the cost of replacing or repairing your belongings if they're stolen or damaged. In the winter, some of the risks include:

  • Roof damage

Roof collapse is a massive winter risk that can develop unseen until it's too late. Your roof is mostly an out-of-sight part of your home. With the heavy snow, you may notice that your roof is on the verge of collapsing until it eventually does.

Liability insurance

This applies to insurance from personal or business-related issues and can protect you from footing lawsuit bills and other liabilities. Personal liability coverage is typically part of homeowners insurance.

  • Physical injury

Take steps to prevent slips and trips, as you could face an injury claim if someone falls and hurts themselves on an icy path in your business or home.

While you don’t necessarily have to clear every inch of snow from the pathway or car park, you have to be able to show that you’ve taken precautions to guarantee the reasonable safety of people on the premises.

You can also get the right liability insurance coverage, depending on your type of business and associated risks.

Commercial property insurance

Commercial property insurance is essential due to the risk of:

  • Property damage

Physical assets, including your inventory, third-party property, equipment, and even the building, are at risk from weather damage and even theft due to prolonged periods of disuse.

The right insurance policy can also help you replace stolen tools, cover costs associated with theft, and reimburse you for the cost of renting tools in the interim.

Auto insurance

Auto insurance helps cover the costs associated with repairing or replacing your vehicle in the event of accidents, theft, or damage. Some of the risks to your vehicle in winter are:

  • Accidents

Slippery roads and reduced visibility increase the risk of accidents during winter. The right auto insurance policy can protect you in a collision. A comprehensive coverage can also cover damage from weather-related incidents.

  • Breakdown and other issues

The cold weather can cause different issues, including battery problems, break issues, drop in tire pressure, and others. All of these issues can cause a breakdown.

Whether you need a tow to the nearest repair center, a jumpstart cable, or a tire change, adding roadside assistance coverage to your auto insurance can protect you in the winter season.

Get protection from winter’s risks with the right insurance policies

The winter season has unique risks to property, pets, businesses, and you and your loved ones. Be proactive today by purchasing the right insurance policies to protect yourself, your loved ones, and your investments. Give us a call today.



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