Changing seasons are a good time to review your homeowners insurance policy. Consider any changes that have taken place since you last spoke with your insurance agent. Have you made repairs or improvements that could affect the value of your home? Have you purchased jewelry, musical instruments, electronics, or other high value items that may not be covered under your current homeowners policy?
It may be time to consider updating your coverage.
Autumn is an especially good time to assess your home and property for risks associated with upcoming winter weather and freezing temperatures. There are a number of potential risks to your home this winter, including:
- Frozen pipes
- Flooding due to snow melt
- Roof damage due to ice and snow
- Fire (Christmas tree fires can cause major damage)
- Winter storms
- Wind damage
- Slip and fall accidents
Prepare your home for winter by assessing potential risks and making necessary improvements before winter’s harsh weather arrives.
Preparing for Colder Weather
As a homeowner, it’s essential to make sure that your roof is in good repair before winter. Visually inspect the roof to check for any issues that could lead to potential damage. Missing or damaged tiles or shingles, surface imperfections, and other damage could cause roofing problems this winter.
You’ll also want to clear your gutters and downspouts to be sure that they are clear of leaves and debris. This will ensure that water is drained off of your roof and prevent clogged gutters. Walk around your home to check for overhanging branches and trees. Trim trees as needed and remove the dead branches, which can cause damage by falling during winter storms.
Visually inspect any stairs, sidewalks, or paths on your property. Slip and fall accidents can cause broken bones, back injuries, and many other potential injuries that you may be held liable for if a delivery person, neighbor, or other individual falls due to disrepair on your property.
Protect Your Home
Your home is one of your largest investments, so it’s important to have an excellent homeowners insurance policy. Does your current policy offer these coverage types?
- Dwelling coverage to pay for home repairs or rebuilding after a loss
- Personal property coverage
- Detached structures coverage for garages, fences, sheds, and other outdoor structures
- Liability insurance
- Loss of use coverage
Depending on your needs, you can also include specified coverage in your homeowners insurance. Some homeowners policies include more extensive coverage for jewelry, pets, sports equipment, and hobby equipment.
Speak With an Independent Insurance Agent Today
As a homeowner, you want to protect what you’ve worked hard to earn. That’s why the independent insurance agents at Kincaid Insurance are trained to help you discover the homeowners insurance that best fits your home and budget.
You’ll find Kincaid Insurance in Rockport, Indiana. We work with homeowners throughout the Indiana, Kentucky, and Illinois Tri-State area, including: Jasper, Louisville, Newburgh, Owensboro, Mt. Vernon, Evansville, and Vincennes.
Contact Kincaid Insurance today by calling 1-877-888-5506. Our independent insurance agents will help you determine your homeowners insurance needs before providing you with a free no-obligation quote.Request a Free Quote