Although Arlington, Texas winter weather is typically mild, severe storms can easily cripple a homeowner if the proper preparation isn’t done beforehand. In years past, blizzards, freezing rain, and high winds have taken its toll on different parts of Arlington and surrounding areas. If you are a new homeowner, you may not be aware of the maintenance required to keep your family and property safe as temperatures drop.

Prepare for the Worst

At the very least, you should have an emergency supply kit stocked and ready for use in the case of a severe winter storm. Include the basics such as flashlights, emergency food and water supplies, a battery-powered radio, and a first-aid kit. Also think about what items you need to have to keep you and your family comfortable in case of severe Arlington weather. Emergency heat sources, like wood stoves and kerosene heaters can provide warmth if your heat goes out. A generator can also be purchased as a backup power supply. Mid-sized to large generators will supply power to many basic household appliances while generators above 10,000 watts will power a small home.

Winter Weather Maintenance

Seal any leaks around pipes and install extra insulation as well. Shut off any outdoor water faucets to prevent freezing. If you plan to go away during the winter season, drain the pipes and turn off your main waterline. You should also never set your thermostat below 55 degrees. Repair any outdoor banisters, sidewalks, and stairways before the winter in order to prevent hazards that could occur if ice or snow builds up.

Although preparation helps, there are no guarantees that winter weather will not strike and do damage to your home. To stay protected, you need a homeowner’s policy that will cover any exterior and interior damage sustained during severe weather. You can easily discuss your needs and concerns with independent agents from Strack Insurance Services. Strack Insurance Services will help you compare homeowner’s insurance quotes online in minutes between different carriers. An agent can review with you the types of winter weather perils covered under each type of homeowner’s insurance policy.

When you purchase a homeowner’s insurance policy in Texas, you want to make sure that you choose coverage properly. This means looking at whether or not you have enough coverage and that the limits are high enough.

Home liability coverage is particularly important in the event that someone gets injured at your home. You never know if someone is going to fall down the stairs, slip on ice, or have some other kind of accident. As long as it is deemed an accident, liability coverage will generally take care of the expenses – up to the limit that is in place.

You are the homeowner and you are going to be held financially responsible. You don’t want to be the one paying for medical bills, lost wages, pain and suffering, and even legal costs. Even if you know the person, there is always the possibility of them suing you – and this can be an expense all of its own.

If you have home liability coverage and the limits are high, you may only have to pay deductibles. This is going to save you a significant amount of money.

Think about what you could otherwise have to pay. If someone hurts themselves, you could pay all of their medical bills. If they hire a lawyer and are rewarded pain and suffering, the settlement could be tens of thousands of dollars. Add lost wages to this and it is enough to send you into bankruptcy.

With coverage for home liability, you can avoid these expenses by filing a claim.

You don’t have to spend a lot of money on auto insurance. You simply need to have the best coverage. Contact us today and let one of our agents at Strack Insurance Services help you find the necessary coverage against hit-and-runs and more.