The Impact of Seasonal Changes on Home Insurance

Posted on October 16, 2023 by Active Insurance

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The changing of the seasons is a welcome sight for many – whether you’re welcoming the coziness of autumn and winter or the brightness and excitement of spring and summer. But, if you’re a homeowner, these seasonal changes can impact your home and its insurance. Learn more about the effects of changing seasons and how to protect one of your most significant investments: your home.

The Potential for Weather-Related Damage
In some regions, fall and summer are known for their unpredictable weather, including heavy rains, thunderstorms, and even hurricanes. These weather events can damage your home, such as roof leaks, flooding, or fallen trees. As a homeowner, reviewing your home insurance policy and watching for adequate coverage for these types of events is essential. If you need more protection, consider adding or updating coverage.

Yard Maintenance and Liability
Yard maintenance is a year-round affair. Whether you’re raking leaves, trimming trees, or resurfacing your exteriors, an accident on your property can make you liable for potential injuries. We recommend you look at your liability coverage within your home insurance policy.

Holiday Decorations and Liability
Holidays allow families to be fun and festive with elaborate decorations and special effects. Unfortunately, décor can often make way for trips and fall hazards that could prove as costly as they are dangerous. If you plan to decorate your home for the holiday season, review your liability coverage and take steps to ensure your decorations are safe for visitors.

Seasonal Home Improvements
Many homeowners undertake home improvement projects yearly – from spring cleaning to fall-time gutter cleanouts. These improvements can enhance your home's safety and reduce the risk of insurance claims. Keep records of any upgrades or repairs you make, as they may impact your home’s insurability and could even lead to lower premiums when applicable.

Active Has Your Back
Taking precautions and reviewing your home insurance policy, anticipating the changing seasons can help protect your home and family from potential risks and liabilities. At Active Insurance, we want to remind you that staying informed and proactive is key to ensuring your home remains safe and secure. If you’re looking to increase your insurance coverage or switch insurance companies altogether, contact us. Our insurance experts can answer your questions and guide you as you move forward.