As temperatures drop and winter weather rolls in, now is the time to prepare your home, car, and business for the months ahead. Snowstorms, ice, frozen pipes, and power outages can bring more than inconvenience—they can lead to costly insurance claims.
At Emery & Webb Insurance, we want you to head into the season with confidence. Here’s your essential winter insurance checklist to ensure your policies are ready for whatever winter throws your way.
Winter Insurance Checklist: What to Review Before Cold Weather Hits
- Review Your Homeowners Insurance Policy
Before the first freeze, double-check your homeowners policy for:
- Water damage coverage: Does it cover burst pipes or ice dams?
- Snow and ice liability: Are you covered if someone slips on your walkway?
- Roof and gutter protection: Have you addressed wear and tear that could impact a claim?
- Temporary living expenses: Do you have coverage if your home becomes uninhabitable due to a winter disaster?
Tip: Schedule a home inspection to catch small issues before they become big winter problems.
- Update Your Auto Insurance Coverage
Driving in snow and ice increases the risk of accidents. Review your auto policy for:
- Comprehensive and collision coverage
- Roadside assistance and towing coverage
- Rental reimbursement in case of an accident
- Deductible amounts that fit your winter risk tolerance
Don’t forget to check tire tread, antifreeze levels, and emergency kits in your vehicle.
- Protect Your Business Against Winter Risks
If you own or manage a business:
- Ensure property insurance includes storm and water damage
- Confirm business interruption insurance is up to date
- Review your liability coverage for icy walkways and parking lots
- Check pipes in unheated areas to prevent freezing
- Test heating systems and install CO2 detectors
Prevention = fewer claims and less downtime.
- Ask About Optional Coverages and Endorsements
Some winter-related events might fall outside of standard coverage. Ask your Emery & Webb agent about:
- Sewer and drain backup coverage
- Service line protection
- Extended power outage endorsements
- Snowmobile or seasonal vehicle coverage
🛡️Let Emery & Webb Help You Winter-Proof Your Policies
Your insurance should work as hard as you do to keep your home, family, and business safe. A quick winter insurance review could make all the difference in avoiding out-of-pocket surprises this season.
📍 Visit us: 989 Main Street, Fishkill, NY 12524
📞 Call: 845-896-6727 | 800-942-5818
🕘 Open Monday–Friday, 8:30am–5:00pm
🌐 Serving clients throughout the Hudson Valley and nationwide