Essential Winter insurance tips for in and outside of your home

Winter is one of the most enjoyable seasons for many because it has so much to offer, such as the thought of curling up next to a fire while watching a snowstorm outside. Although it can be a cold and quiet period, don’t let the winter blues get you down. Protecting your home during winter is an excellent way to start the year.

This post will outline some winter insurance tips for homeowners to help keep their homes protected.

Some top tips for protecting your property this winter

1. Inspect your home for potential hazards

As we go through the winter months, you must inspect your home and identify things that may cause you a problem in the colder weather. Some areas to consider are your roofing and gutters; make sure these are all in good condition with no cracked roof tiles to avoid leaks, and ensure your gutters are clear to prevent overflowing. Check your windows and doors for cracks and openings, and get these sealed. This will help prevent further damage, avoid cold drafts entering your property, and help reduce energy costs. 

In windy conditions, ensure that everything in the garden is fixed or tied down; no one wants to see your trampoline blowing down the street or into a neighbouring property’s fence or garden, which could result in property damage and costly repairs!

2. Maintain your heating system

Having your heating system fail in winter can be a cold and expensive problem. Not only is it uncomfortable, but it can also be dangerous if temperatures drop below freezing. Inspect your furnace, chimney, and other heating systems, such as boilers, and ensure they are in all working order.

Monitoring your heat in the home is essential. With the rise in energy costs, you may be tempted to keep the heating off, or to a minimum but this could cause a problem with temperatures dropping and potential risks of frozen pipes a common problem in winter. Smart home thermostats can help manage the temperature within your home.

3. Be careful with fire inside your home

Winter is the season of warmth and coziness but also the season for home fires. From candles to fireplaces, these warming items can be accidents waiting to happen. Be cautious with combustible materials, and avoid leaving fires or candles unattended for long periods. Consider installing a basic fire alarm for protection, which would be beneficial when reviewing your home insurance premiums.

4. Clear your walkways and outdoor paths

Another common claim in the winter period is claims for falls and slips on the walkway due to them being covered with snow and ice, as it increases the possibility of someone getting injured on your property. Taking steps to clear these walkways will reduce the likelihood of an insurance claim arising as winter temperature brings challenges for your deliveries or other visitors.

5. Power cuts

These can happen in many parts of the UK and can be incredibly challenging in more remote locations. Here are a few things to consider if there is potential for a power cut in your area :

  • Make sure you are prepared by keeping your mobile devices charged with portable power banks
  • Have an adequate supply of candles on your property
  • Keep a torch or other battery-powered lighting devices on your property
  • Limit the use of fridge/freezer to maintain cold temperature – keep essential items in a cold storage box
  • Keep a list of key contact numbers, including power supplier, to report or check on the expected length of power cut
  • Move any potential hazards in your property in low-lighting

Final thoughts…

Keeping your home safe from winter damage is not only financially wise but can also keep you, your family, and your home from danger. By taking pre-emptive measures and undergoing proper care during winter, you’ll enjoy the season without worrying about your home’s safety.

While trying to protect your home from winter weather, reviewing your insurance policy to see if it covers winter perils such as frozen pipes,  snow, storms, and ice damage is worth checking. Remember, not all insurance policies are identical, so read them carefully. Ensure that your insurance policy is up-to-date so that you’re better informed and prepared to make a claim in case any winter damage occurs.

At Riskworks, we specialise in all types of property insurance, so if you are unsure or want a quick review of your coverage this winter, we would be more than happy to discuss it quickly with you.

To talk with us about your insurance needs or review your existing policy, contact Emma Patrick at 01625 547754 or email