Do you experience inclement weather during specific times of the year? Do you use your property for seasonal activities that could pose risks to people or their personal belongings? If you answered yes, it’s worth exploring seasonal concerns that may require additional home insurance coverage.

Weather-Related Accidents

While accidents on your property may seem unlikely, they can happen during severe weather conditions. Slips, falls, or minor fender benders could occur, leading to damages for which you may be held liable. Adding liability coverage to your home insurance policy can provide financial relief if an incident results in a lawsuit.

Natural Disasters

Certain times of the year may bring a higher likelihood of natural disasters. For example, heavy rains could lead to residential flooding, while hurricane season might cause wind damage to your home’s structure and outdoor property.

Securing insurance coverage that protects against these disasters ensures you can rebuild your home and property without bearing the full financial burden.

Criminal Activity

Criminal acts, such as break-ins, vandalism, or theft, may be more common during specific seasons in your neighborhood. If you’re concerned about these risks, consider adding coverage to your home insurance policy to protect against such activities.

Home insurance that covers criminal activity can assist with repairing damaged materials, replacing stolen items, and inspecting your home and property for further vulnerabilities.

Assessing Seasonal Risks

Conduct a preliminary assessment of your home and property to identify the seasonal risks you face. Once you’ve determined your needs, contact one of our Guy Hurley McNeil agents. An agent serving Rochester Hills, MI, will help you make the necessary adjustments to your insurance policy, ensuring you have the coverage you prefer.