When you think about keeping your homeowner’s insurance policy
rates as low as possible, you think about keeping up
maintenance to make sure people – those who live in the home
and visitors alike – are less likely to get injured on your
property. You make sure your valuables are locked up safely,
and you buy security systems, stronger doors, locks, and
windows to protect your home from theft. You even opt for a
cuddly kitten rather than a large dog in order to protect
visitors from attacks.
 
However, have you thought about keeping your homeowner’s
insurance policy rates as low as possible during the different
seasons? Winter weather conditions can cause some of the most
damage to your home, as well as you, your family, and your
visitors, and the best way to protect your home and everyone in
and around it is to practice prevention, i.e., make necessary
repairs before winter strikes, and take precautionary measures
after winter strikes.
 
To make repairs to your home before winter, start at the top.
Make sure your gutters are clean, and keep them clean by
purchasing gutter guards – those nifty little add-ons that
prevent anything like leaves and branches from clogging up your
gutters. Then take a look at the walk way and steps that lead to
your home. Repair any cracks in the steps or walk way, as well
as any wobbly hand rails. If your steps do not have a handrail,
consider installing one. Also, take a look at the outside
structure of your home. If you have any cracks, repair those as
well.
 
Now, take a look at the inside of your home. Make sure you and
your contents stay warm by making any repairs to your heating
system, adding extra insulation, and repairing cracks in
windows. Regularly check your fire alarm batteries, and learn
to turn off water in the event that it may freeze and bust your
pipes.

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