Winter Insurance — Do I Need It?

The short answer is yes. Winter in Virginia can be a particularly joyful time with holiday hallmarks, toasty fires, decadently created s’mores and hearty soups. However, it also comes with unpredictable weather that can cause serious snowstorms and the formation of ice and dangerous hail. It would be wise to reassess your insurance coverage during this time of the year to make sure you are protected. In this blog post, we will go over all the reasons why you should have proper coverage in the winter.

Dangers of Winter
Obviously the winter brings in cold weather that can ice roads, pipes and cars. Ice can make everyday activities more difficult and, inevitably, more dangerous. Whether a slipping hazard, a burst pipe or a skidding risk, it’s important that you are aware of what your insurance coverage is. You will want to make sure you are appropriately covered in all areas that can be affected during the winter season.

Types of Insurance to Consider in Winter

We have listed below all the types of insurance that we offer at Sanford. Icy roads, heavy hail storms, snowmobile accidents and snow damages that occur in colder weather will have you wanting the best coverage should anything happen.

Collision Auto Insurance

According to a recent post, 17% of all crashes that happen throughout the year, occur during winter conditions. To add, that 17% equates to over 156,000 crashes every year due to icy and snowy roads. Crashes are more likely to occur during these months due to the hazardous conditions. Snow and ice on the road makes road control more difficult, with an increased risk of skidding and swerving. Braking becomes more difficult and there becomes a decrease in visibility during fog and snowfall. With the potential for hail, vehicular damages can occur as well.

With data that suggests an increase in crashes during this season, collision coverage is highly recommended with your auto insurance plan. This type of coverage will help pay for any car damage caused by a collision with another vehicle or an object. We suggest that you have comprehensive coverage if you find yourself in dangerous winter-time situations. This type of coverage will allow your car to be protected from things like hail, which is more likely during this time of year.

Recreational Insurance for Winter Activities

There is a lot of fun to be had with welcoming winter and its snowfall in Virginia. Sledding, skiing, snowboarding and snowmobiles are bringing joy to the likes of young children and adults. Recreational insurance should be considered during the winter because it covers insurance on vehicles, such as snowmobiles. It can be difficult to predict what could happen to your vehicles during the winter, which is why you should consider the proper coverage for recreational vehicles. Make sure you examine your insurance coverage to verify that they offer coverage for snowmobiles.

Proper Coverage for Winter Conditions for Your Home and Renter’s Insurance

Winter is notorious for bringing in unwanted storms, potentially causing damage to your property. Snowstorms and hail can present risks to your home with heavy hail causing substantial damage and destruction, depending on the severity, to your roof and windows. Heavy snow and ice also play a major part in harming your home, so be sure you have all the proper coverage to keep the holiday season joyful!

We hope that our Winter Insurance Guide has served you well and you stay fully protected this winter! If you have any questions, please do not hesitate to contact us!