Two Important Personal Insurance Coverage To Have For Winter!
How is winter going for you? Are you loving the beautiful sight of snow? Behind that gorgeous snow are countless possibilities of damage being done to your home or vehicles if you are not taking extra precaution, or worse, not having insurance coverage.
It is predicted that winter 2020-2021 will be snowy in the Northeast. We have already started seeing snow, kudos to those who were well prepared but for those who are not, start doing something about it before severe damage is done!
Let us get straight to the point.
What important insurance to get
Auto Insurance
There are nearly one in eight U.S. motorists who are driving around uninsured. They are not only putting themselves at risk but also putting insured drives at greater risk in case of an accident.
In addition to that, when an uninsured driver is at fault in an accident, insured drivers or their insurance companies are to pay for the physical damage and health costs.
During winter, there are higher risks of accidents happening, especially after a snowy night and waking up to your car covered with a white blanket of snow. When the temperature continues dropping, snow on the road will turn to ice which will make driving on the road more dangerous. Hence, it is important to have insurance coverage, or just stay indoors and avoid being on the road.
A tip for you is to remove all the snow from the roof and windshield of your car. If snow falls onto your windshield, it will also be dangerous for you, the driver as you will not be able to see the road and what is in front of you. If any snow and ice chunks fly off from your car and unfortunately causes an accident, you will be found at fault.
Homeowners Insurance
If you think having homeowners insurance is a luxury, you’re wrong! It is necessary to have homeowners insurance and extremely important. Having homeowners insurance coverage protects your home against damage.
If you do not own your current home, you will have to purchase renter’s insurance as many landlords do require you to do so.
One of the possible damage that can be done to your home is snow damage. It is one of the most common issues experienced during winter. When snow builds up on our roofs, the added weight can end up damaging your roof. Hence, we should regularly remove snow from our roofs to avoid this from happening. Even if it requires a professional to help remove it, it is worth the expense.
Speaking of snow accumulating on your roof, if you do not remove it, it will turn to ice dams along the edge of your roof when the temperature drops further. Next thing you know, there will be leaks in your roof as the ice melts but water cannot be drained properly as it has nowhere else to go. Now that is a real problem here!
Another thing that may happen when it gets cold is that the water in your pipes may freeze. When the ice in the pipes expand, it can expand and burst the pipes. This is when you will find your home flooded. Unfortunately, flood insurance is not included in a homeowners insurance policy. However, it can be purchased separately.
in conclusion
Mother nature does whatever she wants to do and we cannot prevent it. What we can do is take precautions and mitigate the risk, one of them is to get insurance coverage.
We have a team of experienced brokers who can help you with further questions. Send us a message via the form below and we will get back to you within 24 hours or call us at 718 886 6601.