Winter is the season for snow flurries, hot chocolate, and time with loved ones. Spend your days enjoying these moments instead of fighting costly insurance claims. To be the best prepared as temperatures drop, be aware of some of the most common accidents that might ruin your merry and bright holiday!

What Winter Insurance Issues Could You Encounter?

1. Personal Injury

Icy walkways increase the chances of a severe injury when someone slips and falls on your property. These conditions can lead to broken bones and joint dislocations for you, a loved one, or a third party. If a guest or service provider injures themselves on your property, you are held financially responsible for their medical expenses. Avoid this claim by making sure you have homeowners’ liability insurance, using anti-ice material, like salt, on your walkways, and installing handrails on all stairways.

2. Auto Liability

Holiday traffic and slick roads increase the likelihood of an auto collision. Make sure you use snow tires if necessary, and refrain from driving during extreme weather conditions. Scrape all the ice and snow off your vehicle before driving to prevent it from flying off and causing damage to other cars on the road. Talk to your insurance agent about full coverage auto insurance to provide you with peace of mind this winter. 

3. Property Damage

Severe winter winds and heavy snow can cause items, like trees and roofing, to fall on your property. You will be held responsible for any damage incurred by fallen tree branches, holiday decorations, or melting icicles. Avoid this claim by taking preventative measures to trim and clear dead tree limbs in your yard and on your property line. Talk to your insurance agent to make sure you have homeowners’ property damage liability to cover any event that you might not prepare for.