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Winter Preparedness and Your Insurance: Are You Ready for the Cold Season?

by admin

With Autumn in full swing, we find ourselves winterizing our gardens, recreational vehicles, and homes in preparation for the cold weather. Unfortunately, many people don’t realize the importance of winterizing their insurance. Although the Lower Mainland may not see the same cold snaps and snowfall levels as other parts of the province- or even other parts of the country, our winters can be especially mercurial, shifting from rain to sleet to snow in a matter of hours. Let’s explore 3 of the most important types of coverage to review with your Prime insurance brokers in Burnaby before the winter weather settles in.

Icy Roads and Auto Insurance

Winter makes for some of the worst driving conditions of the year. Depending on your municipality, you may find yourself having to drive in particularly poor conditions due to a lack of ploughing, salting, and de-icing. Rural communities can face heightened challenges when it comes to snowfall and freezing rains accumulating on roadways. While ensuring you have the proper tires and a sufficient emergency kit packed in your vehicle are great ways to prepare for winter driving, the best way to protect yourself when driving in inclement weather is to make sure you have the right insurance policy in case of accidents. Even the most experienced drivers are at the mercy of the traffic they share the road with. Icy conditions, heavy rains, snow drifts, and high winds all lead to an increase in motor vehicle accidents over the winter. If you will be braving the roads this winter, connect with our experienced insurance brokers in Burnaby to review your automobile insurance for any gaps in coverage.

Happy Holidays and Theft Insurance

With so many holidays and celebrations falling between October and February, many of us find ourselves leaving our homes for extended periods to visit loved ones near and far. Unfortunately, this increase in vacant homes can lead to an increase in break and entry and theft of belongings. The right home insurance policy can protect you against these financial losses, but it’s important to ensure you have the appropriate coverage for the valuables you keep in your home. It’s also important to know how to catalogue them according to the technical requirements of your policy. The best way to be certain about which possessions your home insurance covers is to discuss your policy with the knowledgeable Prime insurance brokers in Burnaby. They can guide you through the process of inventorying your valuables and choosing the right coverage to protect your home during absences.

Winter Water and Home Insurance

When it comes to costly repairs for homeowners, water damage takes the cake. Water damage not only causes instant, expensive, and complicated repairs but can also lead to more invasive problems down the road such as mold growth and structural issues in a home. However, not all water damage is categorized in the same way. Water damage from a burst pipe, water damage from excessive rain, and water damage from a tsunami are different from one another in the eyes of an insurance policy. Here in Metro Vancouver, one of our greatest water damage risks is overland flooding. Before the real rain hits, check with your insurance brokers in Burnaby to ensure you have the best overland flooding coverage in your homeowner’s policy.

With Winter right around the corner, now is a great time to review your insurance coverage with our Prime insurance brokers in Burnaby to make sure you’re winter-ready, whatever the weather.