Important Home Insurance Coverages to Consider During the Winter Season

Winter in Gahanna, OH brings a slew of concerns due to the cold weather, snow, blizzards, frozen pipes, landscaping damage, and power outages. Unfortunately, there is no winter insurance, but home insurance will always cover winter-related damages.

As a homeowner, it is also your responsibility to take the necessary precautions and prepare your home for harsh weather. Schneider Insurance Agency advises you to review your home insurance policy to ensure you have adequate coverage.

Here are some of the coverages to think about:

Bodily Injury Liability

During the winter, the ground outside is frequently wet and slippery. You could be held liable for medical bills if a neighbor or visitor slips and falls. If the person decides to sue you, your home insurance may cover the legal fees as well. Roof collapse and falling trees are two other accidents that could cause injuries at home.

Dwelling and Other Structures Coverage

During the winter, rainwater can cause damage to your walls, roof, floor, pipes, and landscaping. It should be noted that flooding is not covered by home insurance. Dwelling and other structure coverages can assist you in repairing or replacing damaged areas of your home.

Personal Property Damage

Heavy snow may create a lovely white blanket in your backyard, but it may also cause serious damage to your home. Heavy snow on your roof can be a major source of concern because it can damage the roof or, worse, cause it to collapse, causing damage to your personal property such as furniture.

Insure Your Home with Us

If you’re looking to insure your home in the Gahanna, OH area then know that Schneider Insurance Agency offers reliable and affordable home insurance solutions that meet your needs, lifestyle, and budget. Feel free to call and book your appointment with us today!