Two Important Personal Insurance Coverage To Have For Winter!
How is winter treating you? Are you enjoying the beautiful sight of snow? Beneath that lovely snow lies the potential for damage to your home or vehicles if you do not take extra precautions. Even worse, you may lack adequate insurance coverage.
We have already begun to see snow. Kudos to those who were well prepared! For those who are not, it is time to take action before severe damage occurs
Let us get straight to the point.
What important insurance to get
Auto Insurance
There are nearly one in eight U.S. motorists who are driving around uninsured. They are not only putting themselves at risk but also putting insured drives at greater risk in case of an accident.
When an uninsured driver causes an accident, it creates a significant burden. Insured drivers or their insurance companies are then responsible for covering the damage and medical expenses.
During winter, the risk of accidents rises. This is particularly true after a snowy night. You may wake up to discover your car covered in a thick layer of white snow. As temperatures drop, the snow on the road can turn to ice, making driving more hazardous. Therefore, it is crucial to have insurance coverage or to stay indoors and avoid driving.
A helpful tip is to clear all the snow from your car's roof and windshield. If snow accumulates on your windshield, it can obstruct your view of the road. This makes driving dangerous, as you may not see obstacles ahead. Additionally, if snow or ice falls from your car and causes an accident, you could be held responsible.
Homeowners Insurance
Homeowners insurance is not a luxury; it is essential. This type of insurance protects your home from damage. Without it, you risk significant financial loss.
If you do not own your home, you will need renter’s insurance. Many landlords require this coverage to protect their property and your belongings.
One possible damage to your home is snow damage. It is one of the most common issues experienced during winter. When snow builds up on our roofs, the added weight can damage them. Hence, we should regularly remove snow from our roofs to avoid this from happening. Even if it requires a professional to help remove it, it is worth the expense.
When snow builds up on your roof, it is crucial to remove it. If left alone, the snow can freeze into ice dams at the roof's edge when temperatures drop. Eventually, as the ice melts, leaks may occur in your roof. This happens because the water cannot drain properly; it has nowhere to go. This situation can lead to significant issues.
Another thing that may happen when it gets cold is that the water in your pipes may freeze. When the ice in the pipes expands, it can expand and burst the pipes. This is when you will find your home flooded. Unfortunately, flood insurance is not included in a homeowners insurance policy. However, it can be purchased separately.
In Conclusion
Mother Nature does whatever she wants to do, and we cannot prevent it. What we can do is take precautions and mitigate the risk, one of which is to get insurance coverage.
We have a team of experienced brokers who can help you with further questions. Send us a message via the form below and we will get back to you within 24 hours or call us at 718 886 6601.
