Unlike car insurance, homeowners insurance is not required by law in Ohio, so many homeowners choose to forego coverage in the belief that they're saving money. However, a homeowners policy is particularly important during winter. Even if you choose to remain uninsured during the rest of the year, it's essential you have coverage before winter storms blow in.

Why You Need Homeowners Insurance During Wintertime

1. Icy Sidewalks

You are responsible for keeping your sidewalks, driveway, and walkways clear of snow to permit pedestrians, mail carriers, and other visitors to pass through safely. If somebody slips, falls, and becomes injured on your property, you could be found liable for the medical costs. Homeowners insurance can cover this liability as long as you continue to maintain your property.

2. Roof & Gutter Damage

One of the most damaging winter hazards is the formation of ice dams. When snow melts off a warm roof, the water tends to freeze once it reaches the eaves and gutters, which have no heat below them. Over time, the ice accumulates enough that it pulls the gutters loose or creates a dam that lets moisture back up beneath the shingles. The broken gutters and moisture damage can cost hundreds or thousands of dollars to repair. The roof could start sagging, and water could leak into the home.

3. Frozen Pipes

Pipes connected to exterior faucets and plumbing that runs through exterior walls or unheated spaces in the home can freeze on very cold days. Since water expands as it freezes, this puts pipes at risk of bursting. Not only is it expensive to repair burst plumbing, but the resulting indoor leaks could ruin carpets and hardwood floors, stain walls and ceilings, and result in mold growth throughout the home. Homeowners insurance covers most of the cost if it is an emergency.

To buy new coverage or to see if you can lower your homeowners insurance rates, contact Hummel & Plum Insurance Agency in Chillicothe, OH. They are a Ross County fixture, having served the area since 1904. They also specialize in business, life, health, and car insurance. To request a quote, call (740) 773-1620 to speak to one of their agents or visit their website to submit an online information form.