Winter conditions bring entirely different risks that may impact your insurance coverage. Let’s take a look at the top three risks.
- Slippery driving – Before the next winter storm hits, check your automobile policy to determine if it’s appropriate for your needs. Luxury vehicles, new cars and trucks will require a different level of coverage than an older vehicle. Give E. R. Munro and Company a call and we can help you to determine if you have adequate protection against injury or damage if you cause an accident.
- Snowy problems – If someone slips and falls on your icy driveway or sidewalk, your homeowners policy will pay for some medical expenses. Ask E. R. Munro if you have adequate liability limits. A standard homeowners policy will provide coverage between $100,000 and $500,000. Additionally, if your home sustains damage during a winter storm, a homeowners policy will reimburse you for the costs you incur to live elsewhere if you are unable to reside in your home during repairs.
- Playing in the snow – Lost or stolen ski equipment that you own is covered by your homeowners or renter’s policy. But snowmobiles are not covered by homeowners, renter’s or automobile policies. Ask E. R. Munro if you need more coverage on your sporting equipment or if you need to purchase a separate snowmobile policy.
We’re here to take your questions Monday through Friday 9 a.m. to 4:30 p.m. at 1-877-376-8676, or you can email us at [email protected].
