As winter approaches, it's natural to think about keeping your home safe and warm. With a few proactive steps, you can prevent stress and costly insurance claims later.

Clear and Check Solar Panels: Activate winter modes and regularly clear snow post-storm to maintain efficiency.

Boost Indoor Air Quality: Use HEPA filters for viruses and particles, or MERV 13+ for dust and allergens, whether in HVAC systems or portable units.

Update Smart Thermostat Settings: New models adjust automatically to reduce energy waste. Set it between 68°F and 70°F while home.

Seal Gaps Around Windows and Doors: A classic but effective way to retain heat and reduce energy bills.

Document Your Home Digitally: Create a smartphone video walkthrough of your home and valuables to streamline potential insurance claims.

Insulate Exposed Pipes: Prevent freezing and bursting, especially in basements or exterior walls.

Clean Out Gutters: Prevent ice dams and water backup by clearing out leaves and debris before heavy snow.

Schedule a Heating System Checkup: An annual inspection can avoid surprise breakdowns during cold snaps.

Even following a few of these steps can make a big difference in protecting your home during winter. Stay proactive—it's never too late to get started. If you’re unsure what’s covered during winter weather events, we encourage you to review your homeowners insurance policy with us.