As winter approaches, certain types of coverage become more relevant, and knowing where you stand with your coverage is the best way to mitigate loss in the event of a disaster. 

Burst pipes, snapped tree limbs, roof damage, storm damage, and more are all common issues that Mainers deal with throughout the winter, and reviewing your coverage in advance of the season can help put your mind at ease when away during a storm—especially in the case of seasonal homes.

Leaving a home unoccupied for the winter can be stressful. Whether you’re worried about damage caused by storms, fire, or if you’re concerned about vandalism or burglary, there are steps you can take to ensure your losses are mitigated.

Consider the area where your home is located. Is it a waterfront property? Does your home receive heavy snowfall or is it subjected to high winds? Is your vacation home in a wooded area? Properly winterizing and fireproofing your home, deciding whether to drain your water system or keep your winter home heated, and even installing a security system are the keys to keeping your home protected. However, vacation home insurance can provide you with the peace of mind that even in the event of the unexpected, your home and belongings are protected. 

Remember to review your coverage with your agent to ensure you have the right coverage for the season.