4 Tips to Reduce Fall and Winter Property Damage and Insurance Costs

Although this season is often referred to as “the most wonderful time of the year,” it can feel like the most stressful time of the year for many people. The last thing anyone wants to think about is potential damage to their home and the resulting insurance costs.

Below are 4 ways to spend a little (or no) money that can keep your home safe, reduce (or prevent) possible insurance risks, and minimize potential insurance costs.

1. Install a home security system.

While less burglaries occur during the winter, break-ins are always a risk. Additionally, porch theft is a risk during the holiday season. To minimize these risks, you can invest in a home security system. There are a variety of types, security levels, and price points available. Find the one that best fits your needs and price point.

As an added bonus, having a security system can save up to 15% on your homeowner’s insurance!

2. Regularly clean and check your rain gutters and drains.

This might be everyone’s least favorite chore, but it needs to be done. How often you should check your rain gutters and drains depends on where you live and how quickly they fill up, but checking twice a year is often recommended.

Clogged rain gutters can pose several risks, but the largest risk is roof leaks. If the rain gutters can’t drain properly, the excess water can soak through the shingles and into your home. Water leaks can cause mold to grow and weaken the stability of ceilings and walls.

3. Inspect your roof for leaks and damages.

While you’re up on the ladder cleaning your rain gutters, take a second to look for damaged or missing shingles. Also, look for cracks along the sides of your house near the roof. Small cracks or damaged shingles can quickly turn into larger issues. It’s recommended that you check your roof at least twice a year and after any major storm or weather event.

4. Fireproof your home.

Did you know that more fire related deaths occur December – March than any other time of the year? Here are a few ways to minimize fire risks in your home:

  • Keep a fire extinguisher handy
  • Test your smoke alarms regularly
  • Keep candles away from flammable objects

Looking for more ways to reduce costs during the winter? Check out our article about 5 Ways to Lower Energy Costs Year-Round!

5 homeowner tips to reduce fall & winter property damage, insurance costs

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