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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

Important Home Insurance Coverages to Consider During the Winter Season

Winter in Sioux City, IA comes with many worries associated with the cold weather, blizzards, icy roads, snow, frozen pipes, landscaping damage, and power outages. Unfortunately, there is no winter insurance, but you can always depend on home insurance to cover winter-related damages.

 It’s also your responsibility as a homeowner to take the necessary precautions and prepare your home for the harsh weather. Heimgartner Insurance Inc. recommends reviewing your home insurance to ensure you’re adequately covered. Here are some of the coverages you should consider.

Bodily Injury Liability

During winter, the floor outside is often wet and slippery all the time.  If a neighbor or guest slips and falls, you could be held liable for medical bills. If the person decides to sue you, home insurance can also pay for the legal fees. Other accidents that could lead to injuries at home include roof collapse and falling trees.

Dwelling and Other Structures Coverage

Your walls, roof, floor, pipes, and landscape are at risk of getting damaged by rainwater during winter. Note that flooding is not covered by home insurance. Dwelling and other structures coverages can help repair or replace damaged areas in your home.

Personal Property Damage

Heavy rainfall might leave a beautiful white blanket in your backyard, but it could also cause serious damage to your home.  Heavy snow covering your roof can be a big worry as it can damage the roof or, worse, lead to its collapse, which could damage your personal property such as furniture.

Additional Living Expenses

Additional living expenses are essential for providing you with a temporary living space if your home is damaged by extreme weather and rendered unlivable.

Insure Your Home with Us

If you’re looking to insure your home in Sioux City, IA, Heimgartner Insurance Inc offers reliable and affordable home insurance solutions that meet your needs, lifestyle, and budget.  Feel free to call and book your appointment with us today!

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