Before Winter Hits: Why Now’s the Time for an Insurance Check-Up

As the air turns crisp and the first snowflakes start to tease Central Minnesota, it’s the season for sweaters, slow mornings, and making sure you’re ready for winter — inside and out.

It’s also a great time to take a fresh look at your insurance coverage. Whether it’s your home, car, or business, a quick review can help you spot gaps, catch savings, and give you peace of mind heading into the colder months.

At Pine Insurance Agency, we like to call it your “winter check-up” — a simple way to make sure the things that matter most are protected before the deep freeze sets in.

Why a Winter Check-Up Matters

Minnesota winters can be unpredictable — and so can the risks that come with them. From slippery sidewalks to frozen pipes and deer on the move, colder weather brings new challenges that your coverage should account for.

Here’s what we often see this time of year:

• Frozen pipes and water damage from sudden cold snaps.
• Ice dams that sneak up after early snowfalls.
• Deer collisions during the fall rut and darker commutes.
• Business risks from heating equipment, ice, or heavier foot traffic.

A little preparation now can go a long way toward preventing expensive surprises later.

Your Winter Insurance Review Checklist

Take a few minutes to look over your current coverage and ask:

🏡 Home Insurance

• Am I covered for water or ice-related damage?
• Have I updated my policy since adding a new roof, windows, or insulation?
• Do I have enough coverage for today’s home values or replacement costs?

🚗 Auto Insurance

• Is my policy set up for deer collisions or winter-weather accidents?
• Should I adjust my deductible or coverage based on how much I’m driving this season?
• Do I have roadside assistance or rental coverage if I need it?

🏢 Business Insurance

• Has my inventory, equipment, or staff changed this year?
• Are my liability and property coverages up-to-date for winter conditions?
• Do I need to plan for seasonal risks like icy walkways or heating maintenance?

A Few Questions to Ask Your Agent

• “Is my deductible still the right fit for my budget?”
• “Have there been any coverage updates or discounts I might qualify for?”
• “Are there new risks I should think about this winter?”

Get Ahead, Stay Protected

Taking time to review your insurance before winter sets in helps you protect what matters most — your home, your family, and your peace of mind.

Need a quick coverage review?
Reach out to Pine Insurance Agency today. We’ll help make sure you’re prepared for whatever this Minnesota winter brings.