How to Protect Your Home and Auto From Common Winter Claims

Protect Your Home from Falling Tree Branches

One of the main concerns for homeowners during the winter is the risk of tree branches falling on the house. Strong winds and heavy snowfall can cause branches to snap and fall, causing damage to the roof or other parts of the house. To protect your home, consider hiring a professional to trim any branches that may be at risk of falling. Additionally, make sure your homeowners insurance policy covers damages caused by tree branches falling on the house, as well as the cost of broken pipes if the home was properly heated.

Prevent House Fires

Home-Exploding-into-a-Raging-House-Fire-at-NightAnother potential hazard during the winter is the risk of house fires. With holiday decorations, portable heaters, and indoor cooking more common during the colder months, the risk of fire increases. To reduce the risk of a fire in your home, make sure to follow safety guidelines for using portable heaters and unplug any holiday lights before going to bed or leaving the house. A traditional homeowners insurance policy will cover damages to your homes structure and additional structures like garages and sheds.

Protect Your Vehicle from Winter Weather Damages

If you own a vehicle, it’s also important to make sure you’re covered in case of winter weather-related damages. Auto insurance may cover damages caused by collisions on icy roads, as well as damages caused by vandalism or theft. Before the winter season begins, make sure your vehicle is in good condition and consider investing in winter tires or chains.

In conclusion, preparing for winter weather is crucial for Illinois homeowners. By protecting your home from falling tree branches, preventing house fires, and ensuring your vehicle is covered in case of winter weather-related damages, you can feel confident that you’re prepared for whatever winter throws your way. If you have any questions about your current insurance coverage, the team at The McBride Agency is here to help. Schedule a call or import your policies for a full review using the buttons below.


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