winter prep tips - Spencer Insurance Agency, Inc

Fall Maintenance Tips for your Home and Auto

The Fall Season can be a beautiful time of the year in our area. With cooler temperatures and the leaves changing, the fall is a great time of the year to get out of the house and enjoy the outdoors.

Fall is also a great time to prepare for those cold winter days that are coming. I imagine you remember our winter last year with all the snow, ice and school and business closings. Hopefully, this winter will be a bit milder.

Here are a few tips to prepare your home and auto for winter:

  • Put the ice scraper and snow removal tool in your car. Remember a few years ago we had a snowstorm in October?
  • Check the tread on your tires to make sure you have proper traction in the snow.
  • Replace worn wiper blades.
  • Prepare a winter emergency Kit for your home and auto. Check out http://www.ready.gov/kit-storage-locations for some kit ideas.
  • Have your furnace serviced and cleaned by a qualified Technician. Replace your furnace filter.
  • Move flammable materials away from your house and attached garage. Keep them in a shed away from your home.
  • Insulate pipes that are exposed to cold areas in the house.
  • Check for damage to your roof and gutters. Clean any debris from your gutters.
  • Have your chimney inspected by a professional.
  • Clean the clothes dryer exhaust ducts and space under the dryer.
  • Check your fire extinguishers to make sure they are not out of date. If you are not sure it’s best to replace them.
  • Trim trees around your house so the weight of ice and snow will not cause them to rub against your home.
  • If you have a storm sewer near your home make sure it is clear of any debris like sticks and leaves.

A little maintenance on your home now can save you from having a claim later. This can help you save money on your homeowner’s insurance. For more tips on saving money on your auto and homeowner’s policies go to our website. Enjoy the Fall weather and let’s hope we have a better winter this year. Call us today if we can be of service for any of your insurance needs.

 

Prepare your house for winter

I would like to share some tips with you as your prepare your house for winter.  Many of these tips will help you avoid potential homeowner’s insurance claims.  Also, now is the time to call your agent to make sure you have the proper coverage.  Having claims can increase your Homeowner’s insurance premiums.  So to help keep your insurance cost low here are a few tips:

  • Winterize your house
    • Insulate pipes
    • Insulate walls and attics
    • Caulking and weather stripping doors and window will save energy costs
    • Check your fireplace and chimney and make sure they are clean and free of nests
    • Check your thermostat and furnace
    • Clean your gutters and downspouts
    • Put new batteries in your smoke and carbon monoxide detectors
    • Make sure your fire extinguishers are in working order
    • Drain your garden hoses
    • Tune up the snow blower and drain gas from your lawn mower
    • Make sure you have snow shovels and salt
    • Learn how to shut off your water valve should a pipe burst
    • Make a plan on checking on your elderly family members

Making preparations now can help you reduce claims and save money on your homeowner’s insurance and reduce your energy costs.
For more tips on saving money on your insurance visit our website.

 

 

 

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