How to overwinter your home, your car and your insurance
When it comes to winter in New England, it is always better to be prepared, even if we are not really mentally prepared for the colder weather . In the next few weeks, you want to take steps to prepare your home, your car and even your winter insurance to protect them from seasonal risk. Here are some tips to make your assets overwinter, protect your assets and get ready for the coming season.
Preparing your home, your car and your insurance for the winter
How to winter manage your home home is in the fall. By doing this, you will remove all early storms and take advantage of potential savings on your energy bill and a little more time to relax in the winter. Whether it is your summer home or your main residence, prepare for winter with these ways to overwinter.
- Clean the gutters. How? By hand, with a scraper or spatula and finally with a good hose rinsing, cleaning leaves and other summer / autumn debris helps the winter rain and melting snow to run out. Also, be sure to look for any cracks or leaks when cleaning them, better fix them now!
- Block leakage. On an airy day, walk around with a lit candle to normal draft surfaces and see where the air enters. Once you have found where your large leaks occur, cover with a door sweep, seal or apply a sticky scratch seal. Use weather-resistant seal on the outside to seal leaks and for brick surfaces, use wall sealant.
- Insulate your home. While this can cost a lot of money, most people think it's worth it when they see their heating bills.
- Check the oven before the colder weather arrives. It is a good idea to set and clean the oven every year to check things like the oven filter (which should be replaced for best airflow).
- Check your channel work. You can lose up to 60% of the heated air if you have central heating if your ductwork is not well connected and insulated. Make sure your loft, crawl space and basement have exposed ducts. It can also be a good idea to vacuum your ducts every two years to clean the air.
- Set up storm windows instead of screens for extra protection and warmth in winter. If you do not have storm windows, you may want to update to avoid leaks and drafts that may come with older windows. Can't afford all the new windows? Not many people can, but start now and budget for a few at a time. You may also want to buy a window insulator kit at the moment.
- Do not forget the chimney! Although it may be a myth, you need your chimney swept every year, but it is a good idea to do an inspection before use. Everything from basic debris to birds can hide inside.
- Have you thought about turning your fan? If you turn around from the summer option, it will push down hot air and force it to recirculate (make sure the blades turn clockwise when you look up).
- Fold in your pipes. Burst pipes can be quite the disaster, before the freezing nights will turn off the water to your house bib and the lines are drained. Fold pipes into unheated spaces with foam rubber sleeves or fiberglass insulation (you can buy these in most hardware stores).
- Check your alarms! The start of a new season is a good time to check if your home detectors and carbon monoxide detectors are working and have new batteries.
- Do not forget to bring your outdoor furniture. All outdoor furniture and patio items should be brought in for the season. You would not want the snow and ice to ruin anything and that the outdoor set was probably not cheap!
The more you can do to protect your home now, the more prepared your home should be to withstand winter storms.  How to cover your home insurance cover
Make sure you are covered with enough home insurance in addition to winterizing your home. When it comes to your home insurance, it is very easy for an ice pond to turn into something that can ruin your home or melting snow to create a flood situation. In these situations, make sure that your home insurance would suffice. Call an agent with your questions, they can help you. For example, they could tell you that home insurance does not cover floods and you may need flood insurance. Flood insurance takes 30 days to take effect, so now is a perfect time to get insurance before the snow melts.
When was the last time you looked at home coverage? We can help. If you have questions about your current policy or would like a free quote, call one of our agents today at 413.475.7283.
Call us at 413.475.7283
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How to overwinter your car
Just as many of us get sick or weary with the cold temperatures of winter, it can also take a toll on your car. Some seasonal maintenance, winter courses and an emergency kit can help keep the winter risk in check.
Here are some ways to winter attach your car:
- Keep an emergency kit in the car with things like a little extra engine oil, washing liquid, coolant and a blanket for colder temperatures. It is also a good idea to have a flashlight and some stains.
- Make sure your four-wheel drive works. It's great to have four-wheel drive in the snow, but it's better if it works properly.
- Check the car's belts and hoses. Cold temperatures can weaken your belts and hoses, even if it's not time for an adjustment, it may be a good idea to have a mechanical look under the hood this
- Replace the wipers. Autumn and winter are usually the months that have the most wind protection drying. Between the wet leaves and the snowfall, they will take a lot this season. A new set is your best bet – the last thing you need is for your wipers to drop you during a storm!
- Check your defrost and heating units.
- Keep your fuel tank full. The damage you cause to your car on an almost empty tank in the winter is even worse than at other times of the year. The cost of repairing the damage is not cheap either!
- Let your liquids be refilled. Have you seen frost on your car yet? Make sure your antifreeze is full as well as oil and windshield wiper fluids – you will need them most in the next few months.
- Check oil and oil viscosity.
- Check your battery . We recommend that you make sure that the battery works properly. A dead car battery is never fun during the cold months.
- Check tire pressure and consider snow tires. The tires wear a lot and if they are too worn, you can place yourself badly with snow and ice on the roads.
- Replace your air filters. A dirty air filter is not only bad for your car but can be harmful to your health. Now that the windows are rolling up, you will inhale what your air filter cleans. A dirty filter = dirty air quality.
Wet leaves, floods, black ice – everything is coming! Fall car maintenance is an important part of keeping your car in top shape and should not be ignored.
How to winter cover your car insurance coverage
Unfortunately, you can never predict the elements, especially in New England. That's why it's important; No matter how prepared you are for the winter, go through your Massachusetts car insurance policy into the winter season to ensure you have the right coverage in place.
When you got your car insurance, were you satisfied with the basics? Now may be a good time to contact your insurance agent and ask about any gaps they may see. If your vehicle is not good in snow or if you park under icicles, there may be an area for increased car insurance that you may find yourself needing, such as if you have an irresponsible policy, you may want to consider adding in the event of a collision or extensive.
Physical damage to your car caused by slipping and crashing into something is usually covered by collision coverage and is subject to your deductible. In the event that you end up in an accident with another vehicle, the same coverage would come into play as it does with an accident at any other time of the year. In the event of an accident with a snow bank, tree or any other object, it will be your extensive coverage that covers you.
Extensive coverage will help you cover yourself if ice collects on a tree and a branch falls on your car. The physical damage to your car is of course covered by your deductible. If someone is injured in an accident in your vehicle, it will be the bodily injury limit on your car insurance that covers you. Now is a good time to check these coverage limits to make sure you have the coverage you need in any of the above slippery traffic accidents.
Of course it is important to be covered all year round, but the next few months involve more risk on icy roads. Call your agent today and find out your coverage this winter!
Call us at 413.475.7283
Fill out our quote form online today
Although we may not be so happy about winter weather. to sink in Massachusetts, we are always happy to help you with your insurance needs! Call us today to review your coverage and make sure you are ready for the colder season to come.
Call us at 413.475.7283
Fill in our quotation form online today