7 Insurance Tips for Winters in New England

Winter in New England is beautiful—but it also comes with its own set of challenges for homeowners and drivers. At Barney Insurance Agency, we want to help you prepare for snow, ice, wind, and freezing temps so you can enjoy the season with confidence.

Here are seven practical steps you can take right now to protect your property and make sure your insurance coverage is ready for the cold months ahead.

1. Prevent Winter Ice Dams Before They Start

Ice dams form when warm air escapes into your attic, melting snow that then refreezes at the roof edge. This can cause leaks and expensive water damage.

Winter Protection Tips:

• Clear gutters before major snowfall

• Add attic insulation & ventilation

• Use a roof rake after heavy storms

If you’re unsure whether your homeowners policy covers ice-dam damage, our team would be happy to review it with you. These winter insurance tips in New England could save you time, energy, and money.

2. Prepare Your Heating System for High Demand

Furnace failures tend to happen on the coldest days of the year.

Before winter sets in:

• Schedule a professional system check

• Replace filters every 1–3 months

• Keep a safe radius around heaters

A well-maintained system not only keeps your home warm—it can lower the risk of fire claims.

3. Avoid Frozen & Burst Pipes

Frozen pipes are one of the most common (and costly) winter claims in New England.

Reduce the risk by:

• Keeping your thermostat at 55°F or higher

• Opening cabinet doors to allow warm air flow

• Insulating pipes in basements, crawl spaces, and garages

• Letting faucets drip during deep freezes

If you're planning to travel for the holidays, let us know—we can help you check your policy’s coverage.

4. Winterize Your Vehicle for Safer Driving

Road conditions can change quickly. Make sure your car is winter-ready:

• Install snow tires

• Check battery health

• Pack an emergency kit (blanket, shovel, flashlights, snacks)

• Keep your gas tank at least half full

And don’t forget: If you’ve purchased a new car this year, notify us so we can make sure your auto coverage is up to date.

5. Review Your Home Insurance for Storm Coverage

From heavy snow to freezing rain, winter storms can lead to fallen trees, roof damage, and power outages.

Ask yourself:

• Do I have enough dwelling coverage to rebuild at current costs?

• Is my deductible still appropriate for my budget?

• Do I need extended replacement or water-backup coverage?

A quick winter insurance checkup can prevent major financial headaches later.

6. Protect Your Driveway & Walkways From Liability Claims

When ice builds up, slips and falls are more likely.

Simple steps to reduce risk:

• Use pet-safe ice melt

• Shovel promptly after storms

• Repair loose steps or uneven pavement

Homeowners insurance can help, but prevention is always best.

7. Make Sure Your Snow Removal Plan Is Locked In

With unpredictable New England weather, having a reliable plow service or snowblower ready is key.

If you hire a snow removal company:

• Ask if they’re insured

• Confirm their response times

• Know whether they return during ongoing storms

This is also a good time to review your personal liability coverage for winter-related incidents.

Need a Quick Winter Insurance Review? We’re Here to Help.

Winter storms don’t give warning—but your insurance can.

At Barney Insurance Agency, we’re committed to protecting your home, vehicles, and family through every season. If you’d like a free policy review or help adjusting your coverage, reach out anytime.

📞 Call: 603-523-4407 📧 Email: info@barneyinsurance.com Visit: www.barneyinsurance.com

Stay warm, stay safe—and enjoy the beauty of winter in New England!