As the winter season sets in, it's vital to ensure your insurance coverage aligns with the unique challenges this time of year presents. Here are some crucial points to keep in mind:
1. Snow Mobiles and ATVs Coverage
Did you know? Snowmobiles and ATVs aren't automatically covered for physical damage. If they remain on your property, it's essential to verify your coverage or consult your agent to ensure adequate protection.
2. Roof Conditions Matter
In this volatile market, home maintenance is key. If your roof is older than 15 years, avoid changing carriers as a new carrier might inspect your home location, impacting coverage.
3. Carbon Monoxide Detectors
Are you checking your carbon monoxide detectors yearly? Your safety depends on it. Make sure they're in working condition to protect your household.
4. Cyber-Attacks and Identity Theft
With the rise in cyber-attacks and identity theft, having cyber liability insurance or identity theft coverage is crucial. Don't hesitate to reach out to your agent to discuss these essential protections.
5. Home Inventory Checklist
In case of a fire or unforeseen disaster, a comprehensive home inventory checklist can be a lifesaver. Ensure you're prepared for the unexpected.
6. Winter Driving Safety
Check your tires and ensure they're ready for winter conditions. Also, consider uninsured or underinsured coverage, especially in times when more individuals might be driving without insurance due to economic factors.
At FRM Group Insurance, we're committed to keeping you informed and protected throughout the seasons. Don't hesitate to reach out to discuss your coverage and any necessary adjustments for the winter months ahead.
