Get Your Insurance Winter-Ready: Tips for Surviving a Minnesota Winter

Winter in Minnesota is beautiful—but let’s face it, it’s also brutal. Between icy roads, heavy snow, and freezing temps, the season can throw a lot your way. While you’re busy prepping your snowblower and stocking up on salt, don’t forget to give your insurance a little TLC too. A quick review of your policies now could save you big headaches (and money) later.

Here’s how to make sure your insurance is ready to handle whatever winter has in store.

1. Check Your Auto Insurance for Winter Driving
Minnesota’s winter roads are unpredictable, and even the best drivers can find themselves in a slippery situation. Before the snow starts piling up, take a good look at your auto insurance:

• Do you have collision and comprehensive coverage? These protect your car from accidents and winter-specific mishaps, like hitting a patch of ice or getting a tree branch through your windshield.
• Does your policy include roadside assistance? If your car doesn’t start on a sub-zero morning or you find yourself stuck in a snowbank, this can be a lifesaver.
• What about uninsured motorist coverage? Accidents are more common in bad weather, and not every driver out there has the right coverage.

And don’t forget to stock your car with winter essentials like blankets, a flashlight, and some snacks—because nobody wants to get stranded in the cold.

2. Make Sure Your Home Insurance Covers Winter Woes
Your home is your warm, cozy escape from the elements, but winter brings some serious risks. Here’s what to check in your home insurance policy:

• Roof damage: Snow and ice can weigh down your roof, leading to leaks or even collapses.
• Frozen pipes: A burst pipe can flood your home, and trust us, it’s not cheap to fix.
• Fire risks: With space heaters and fireplaces cranking all winter, the risk of accidental fires goes up.

Preventive maintenance—like insulating pipes and clearing snow off your roof—can help avoid costly claims and keep your premiums in check.

3. Don’t Forget About Winter Toys
Snowmobiles, ice shacks, and other winter gear are part of the Minnesota lifestyle. If you own any, make sure they’re properly insured. Look for coverage that protects against:

• Accidents or collisions.
• Theft or vandalism.
• Liability if someone gets hurt while you’re using them.

And for your summer toys (boats, ATVs, etc.), double-check that they’re stored safely and still covered while in hibernation.

4. Prepare for Power Outages
Blizzards and ice storms can knock out power, leaving you in the cold (literally). Some home insurance policies offer protection for:

• Spoiled food: If your fridge is out for an extended period.
• Appliance damage: Power surges when the electricity kicks back on can fry your electronics.

If you’re not sure your policy covers this, now’s the time to ask. Bonus tip: Consider a generator—it’s a winter game-changer.

5. Cover Yourself for Slip-and-Fall Risks
A snowy driveway might be pretty, but it’s also an accident waiting to happen. If someone slips on your property and gets hurt, you could be held liable. Protect yourself by:

• Making sure your liability coverage is solid.
• Keeping your sidewalks and driveways clear of snow and ice.
• Adding a little extra sand or salt to those especially slick spots.

A little effort now can save you from a big claim (and some grumpy neighbors).

6. Update Your Policies If Anything’s Changed
Life happens, and those changes might impact your insurance. Did you:

• Buy a new car or snowmobile?
• Move into a new home?
• Renovate your house (maybe add a fireplace)?

Let your insurance provider know about these updates so your coverage is up to date.

Stay Warm, Stay Protected
Minnesota winters are tough, but with the right insurance and a little preparation, you’ll be ready for whatever comes your way. Taking the time now to review your policies can save you stress—and money—when the snow really starts falling.Need help making sure you’re covered for the season? Contact National Insurance Brokers today. We’ll help you find the right coverage to keep your home, car, and peace of mind safe all winter long.