As difficult as winter can be for you, it’s even tougher on your house and car. Slippery winter roads and hailstorms make the season especially dangerous for your car, while ice storms and falling tree branches threaten your roof, potentially causing serious water leaks that may not be discovered until spring. Before winter sets in, it’s a good idea to review your home and auto insurance policies to ensure you have the coverage you need.

Car Insurance

Each state requires drivers to carry a minimum amount of insurance to cover damages they might cause in an accident, but those policies won’t protect you against many winter perils. Comprehensive auto insurance can be especially important during the winter months, compensating you for any damage that occurs to your vehicle when it isn’t on the road. You may also want to consider collision coverage to pay for repairs if you lose control in bad weather and crash into a stationary object. Finally, check to ensure your auto insurance policy includes roadside assistance, which can be a lifesaver in a winter storm.

Home Insurance

Winter is an excellent time to update your home inventory, including any items you received as gifts during the holidays. The standard home insurance policy will compensate anyone who slips on your sidewalk and experiences an injury, so you should also check your liability limits. Ideally, you should have liability insurance equal to all of your other assets combined to protect the life you’ve built from lawsuits and injury claims.

Your home and auto insurance policies extend an umbrella of coverage over some of your most valuable assets, which is why the guidance of an experienced agent is so important. From their offices in Clarksville, AR, Phil Taylor Insurance Agency provides clients with detailed guidance and policies—tailored to meet their needs—and the friendly service you deserve. Visit their website to learn more about their services, or call (479) 754-2616 to schedule an appointment and request a quote.