Winter is here! Do you have the right insurance policies in place this season to cover all the surprises that winter can bring? Don’t leave it to chance. Here are 5 types of insurance you might need this winter to keep you and your family safe.
Travel Insurance
If you plan to travel this winter, you’ll need travel insurance to protect you in the event of an illness or injury. Snowbirds might also want to consider purchasing additional coverage such as annual multi-trip insurance and evacuation insurance. And if you’re planning to drive down south, you should also consider arranging a policy for your vehicle, RV, motorhome or trailer.
Recreational Vehicle Insurance
Do you own a snowmobile? You should also consider adding it to your insurance policy or purchasing a stand-alone recreational vehicle policy. In the event of an accident, you’ll have coverage for property damage and bodily harm to you and others when on your snowmobile. Insurance will also cover any loss or damages as a result of fire, theft, or vandalism.
Comprehensive and Collision Insurance
Two essential insurance types that people often opt-out of is comprehensive and collision insurance. However, these coverages protect your car from damage in a collision, hit and run, and if your car slides on ice and comes in contact with another car or object. It can even cover damages that are caused by a falling branch when parked, which you would otherwise have to pay for out of pocket.
Cottage Insurance
Your cottage is your home away from home. And it only takes one leaky pipe or persistent raccoon to ruin your entire cottage. Even if you’re planning to use it in the wintertime, you should have an insurance policy to protect it from winter weather, burst pipes, fire, theft, and pest invasion. If you have any outbuildings on the property or stored belongings, you should also have coverage in the event of a roof collapse under the weight of snow accumulation.
Commercial Insurance
Business owners who own a property or work from home need coverage to protect their commercial space against seasonal perils. Having the right policy in place can save you the expense of having to deal with winter damage or liabilities out of pocket. To keep your business secure all winter long, consider adding coverage that will protect you against a slip and fall liability, risk of equipment breakdown, break-ins and vandalism, cybercrime, and commercial vehicle incidents.
We want you to have a safe and comfortable winter season. Contact us today at Rowat Insurance and we’ll review your current policies to ensure that you are fully covered for all the unexpected events that could put your family and finances at risk this winter.