Winter Weather Preparedness

Winter Storms, Freezing and Icy Conditions. Learn How to Be Prepared for Winter Weather


Winter weather brings along with it a number of risks. Winter storms bring wind, snow and icy conditions that can damage your home and auto. Cold can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can both increase the risk of fire.

Before Winter Arrives

Know What Your Insurance Covers and How Much You Need

Check your homeowners policy to see what’s covered and the deductible you’ve chosen.

Winter Preparation Tips

  • Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze and emergency road supplies.
  • Keep your attic cool to help prevent ice dams.
  • Insulate the attic floor and make sure it’s well ventilated.
  • Don’t overload circuits with holiday decorations.

During a Winter Storm

Play It Safe When Winter Storms Hit

  • If you don’t have to drive, stay put.
  • If you must drive, make sure you’ve winterized your car and have a full tank of gas.
  • When the air’s cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes.
  • If pipes do freeze, let them thaw normally—they’ll be less likely to burst.
  • If the power’s out, make sure you don’t leave candles or fires burning unattended.
  • If you use a portable generator, follow the instructions, and don’t use it indoors.

After a Winter Storm

Winter Storm Damage? Call 800-332-3226

If you have experienced damage from winter weather, report it as soon as possible. We’re here to help 24 hours a day, seven days a week.
Get more information on what else you can do if you experience winter weather damage.

Has it been a while since you reviewed your policy? Schedule some time to talk with your local Safeco agent to be sure you understand your coverage limits.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.