Home Insurance Tips: Preparing Your Home for Winter

Home Insurance Tips: Preparing Your Home for Winter

The risk of a fire in your home goes up during the winter. Fires are one of the biggest reasons why you need home insurance, but you don’t want your premiums going too high, either.

The mornings are dark and frigid, and there’s always frost on your car when you come outside to go to work. That’s a sure sign that winter is on its way. Even though fall is far from over, it’s time to start preparing your home for the next season. Here are some tips on how to do it and protect your home insurance investment.

Work on Windows and Doors

Before you do anything else, check your current homeowner’s policy for a maintenance clause. Depending on what it says, you might need to add some new weather stripping on your windows and doors. Doing this can help keep the heat in and lower your utility bills. You might also need to replace your windows and doors entirely.

Clean Up the Fireplace

Next, clean up the fireplace. Your fireplace could be a fire hazard even if you don’t use it that often. After all, neglect and carelessness are major causes of residential fires. Get rid of ashes or soot that could be blocking the chimney and make sure there are no cracks. If there are repairs you feel uncomfortable attempting then you should consult a professional and leave it to them.

Change Furnace Filters

Then, it’s time to change the furnace filters. These filters can clog up quickly, especially if you don’t replace them often enough.

Check the Thermostat

Replace your old thermostat with a new one that is smarter, so it can show you how much energy you’re using and cut down on energy costs.

Check Smoke Alarms

The end of daylight savings time is coming up in a few weeks. You might remember the saying “spring forward, fall back.” Besides adjusting your clocks, you will need to check the batteries in your smoke alarm and carbon monoxide detectors. By doing this, you can make sure that they are working as they should. Why is this important? The risk of a fire in your home goes up during the winter. Fires are one of the biggest reasons why you need home insurance, but you don’t want your premiums going too high, either.

Get in Touch with Wachter Insurance

Whether you need homeowners’ insurance or auto insurance, our team at Wachter Insurance Agency, Inc. is here to help. We offer our clients competitive rates, professional customer service, and a huge range of policies to choose from for your needs. We have been serving Maryland, West Virginia, Virginia, Pennsylvania, and the District of Columbia since 1969 and we would love to help keep your home and family safe every day of the year. For more information, call us at (301) 371-6335 or visit us online. For more blogs like these, follow us on Facebook, Google+, Twitter, and Pinterest.

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