For many snowbirds, escaping to warmer climates during the winter months is an annual tradition. While you're soaking up the sun, your home back north still needs attention to avoid unexpected problems. Proper planning, combined with the right insurance coverage, can provide peace of mind as you enjoy your winter retreat.
Here’s a comprehensive guide to ensuring your home is protected while you’re away.
1. Why Home Insurance Matters for Snowbirds
A vacant home is more vulnerable to risks such as:
Frozen Pipes: Without proper heating or monitoring, pipes can freeze and burst.
Theft or Vandalism: An unoccupied house is an easier target for criminals.
Weather Damage: Snow accumulation, ice dams, or falling branches can cause significant harm.
Your home insurance policy should cover these risks, but there are additional steps you can take to minimize potential claims.
2. Check Your Insurance Policy Before Leaving
Review your home insurance policy to ensure you have adequate coverage, particularly for:
Vacancy Clauses: Some policies require homeowners to notify the insurer if a home will be vacant for an extended period.
Water Damage: Confirm if your policy includes protection against frozen pipes or leaks.
Theft and Vandalism: Ensure personal belongings and the home structure are covered against these risks.
Additional Riders: Consider add-ons like flood insurance if melting snow or winter storms could pose a risk.
3. Steps to Protect Your Home
A. Winterize Your Property
Turn Off the Water Supply: Shut off the main water valve and drain the pipes to prevent freezing.
Adjust the Thermostat: Keep the heat on at a minimum of 55°F to prevent frozen pipes.
Inspect the Roof and Gutters: Clear debris and ensure gutters are functional to prevent ice dams.
B. Install Smart Home Technology
Security Cameras: Deter potential intruders with visible cameras.
Leak Detectors: Receive alerts if water leaks or flooding occur.
Smart Thermostats: Monitor and adjust your home's temperature remotely.
C. Arrange for Regular Maintenance
Hire someone to:
Clear snow and ice from the driveway and sidewalks.
Check for visible issues like roof damage or window leaks.
Collect mail and packages to maintain the appearance of an occupied home.
4. Notify Your Insurer and Neighbors
Inform your insurance provider about your extended absence and confirm any steps needed to maintain full coverage.
Additionally, let trusted neighbors know about your plans so they can keep an eye on your property and alert you to any concerns.
5. Update Your Coverage If Necessary
Depending on your situation, you may need to adjust your policy. Consider:
Vacant Home Insurance: For extended absences beyond the standard coverage limits.
Personal Property Riders: To ensure valuable items are adequately insured.
Umbrella Policies: For extra liability protection in case of accidents on your property.
6. Preparing for Your Return
Before heading back, contact your maintenance team or neighbor to:
Ensure the heat has been running consistently.
Check for any signs of damage or repairs needed.
Inspect appliances and utilities to ensure they're in working order.
Conclusion
Leaving your home for an extended period doesn’t have to be stressful. By preparing your property, updating your insurance coverage, and leveraging technology, you can enjoy your winter getaway without worry.
At Rolland Insurance, we’re here to help you find the right policy to protect your home while you’re away. Contact us today to review your coverage or explore additional options for peace of mind.