Review your insurance for the winter months

As the temperature drops and the seasons change, we spend more time with family and friends, cozying up at home and drinking hot cocoa. We look forward to bundling sweaters, building snowmen and taking a moment to appreciate the change in nature. While the aforementioned aspects of winter probably bring a smile to your face, there̵

7;s another element just as important as building family and community bonds: protecting your property in case an unexpected storm or other disaster strikes. If you have any questions, contact our office at 413.475.7283 or fill out our quote form online today!

Winter is a crucial insurance season. Weather-related damage often occurs during the coldest months – you can thank the beautiful snow and ice storms, as well as less pleasant hail. Insurance is one of the things that must be thought about beforehand.

Too often people are caught off guard after damage occurs without the right coverage. Review your insurance cover for all your motor vehicles as the winter months approach. If you don’t, you could be left with unforeseen and unexpected expenses.

Take a closer look at your vehicle insurance as winter approaches. Consider what new risks arise during the winter months and whether changes in coverage are necessary.

  • Do you have a vehicle you don’t drive during the winter months? It can save hundreds of dollars to reduce coverage on a parked vehicle during the winter. Dropping the coverage to just comprehensive will protect your vehicle against things that might happen to it while you’re sitting, such as storm damage, fire, theft and vandalism, without having to pay for driving coverage while it’s in storage.
  • On the other hand, if you will be driving during the winter, consider increasing your coverage by adding comprehensive and/or collision coverage. Determine your level of risk in each season. Daylight saving time may bring less risk, so it makes sense to reduce coverage. In winter, risk levels often rise. The snow is slippery, there is less daylight which means less visibility, and you may be traveling to visit relatives who live in unknown places that put you at greater risk. It may be time to add more coverage. Comprehensive will protect you against storm damage and collision will protect you against physical damage after slipping on ice.

Consider roadside assistance if you don’t already have it. Roadside assistance can be handy during the winter months. Slide-offs can sometimes be unavoidable even in four-wheel drive SUVs. Being stuck in a ditch is never good, and having roadside assistance can give you extra peace of mind. You can avoid large towing bills by buying cheap roadside assistance cover on your car insurance.

While it may seem tempting to only have insurance during the warmer months, you want to keep your vehicles insured year-round to protect against weather, accidents and theft. Call Encharter Insurance at (413) 475-7283 or visit our website to keep your valuable investments covered year-round.


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