Protecting your home: Smart insurance tips for winter

As winter draws in, it’s not just your wardrobe that needs a seasonal switch-up – your home insurance might also need a good review. In the UK, where winter can be unpredictable, ensuring your home is well-covered should be a top priority.

Where to start?

First, let’s talk about ‘winter specific’ coverage. While your standard policy likely includes common winter woes like burst pipes or storm damage, it’s worth double-checking the fine print. You wouldn’t want to be left out in the cold due to overlooked details.

Planning a trip?

Some policies might not cover unoccupied homes. So, if you’re planning an extended festive getaway, call your insurance company to ensure your home is protected while you’re sipping mulled wine elsewhere. 

Who threw that?

Next up: ‘accidental damage’ cover. This could be VERY useful if, say, a rogue snowball (courtesy of the neighbours’ kids) smashes a window. While we’re all for community snowball fights, it’s nice to know you’re covered for the aftermath. Accidents happen, but that doesn’t mean they have to spoil your winter wonderland.

The great outdoors

Don’t forget about the garden! Yes, your frostbitten garden needs some love, too. Check if your policy includes garden cover, especially for fence and outbuildings damage from heavy winds or snow. Your beloved gnome collection and that fancy new shed should not be left at the mercy of the winter elements.

Last but not least

Finally, a quick word on contents insurance. Christmas is a time of generosity, which might mean pricier gifts tucked under your tree. Make sure your policy reflects any big-ticket items Santa is delivering this year. You’d hate for Rudolph to accidentally tread on that new laptop, only to find it’s not covered.

In short, a little winter insurance check-up can protect you from big headaches. 

By taking these simple steps, you can relax and enjoy the season, knowing your home is covered by insurance for whatever Jack Frost throws your way. 

Now, where did you put those mince pies?