As the seasons shift and temperatures drop, it’s natural to start thinking about how to keep your home safe, warm, and running smoothly. A few proactive steps now can help prevent stress, headaches, and even costly insurance claims once winter weather is in full swing.

Here are several practical, easy-to-follow winter prep tips—presented in a fresh, randomized order—to help protect your home this season:

Seal gaps around windows and doors

This classic task goes a long way. Check for drafts around entry points and use weatherstripping or caulk to seal gaps. Keeping warm air inside reduces energy bills and helps your home stay comfortable.

Update smart thermostat settings

Modern thermostats can automatically adjust based on your schedule and preferences. Set your home temperature between 68°F and 70°F when you’re there, and let the thermostat optimize settings to reduce energy waste.

Clean out gutters

Before heavy snow arrives, clear leaves and debris from gutters to prevent ice dams and water backups. This simple step protects your roof, siding, and foundation from winter-related damage.

Boost indoor air quality

Improve your home’s air by using HEPA filters to help reduce viruses and airborne particles, or MERV 13+ filters to tackle dust and allergens. These can be used in your HVAC system or as portable units for high‑traffic spaces.

Document your home digitally

A quick smartphone video walkthrough of your home and valuables can make future insurance claims far easier. Store it safely so you have an accurate record if you ever need it.

Clear and check solar panels

If you have solar panels, activate winter mode settings and clear snow after storms to maintain efficiency. Regular checks ensure you get the most out of your system during shorter, colder days.

Insulate exposed pipes

Protect pipes in basements, crawl spaces, attics, and exterior walls. A bit of insulation can prevent freezing and bursting—one of winter’s costliest home repairs.

Schedule a heating system checkup

An annual inspection helps ensure your heating system is ready for cold snaps. A technician can check for wear, clean components, and catch small issues before they become emergencies.

Even completing just a few of these steps can make a meaningful difference in protecting your home during the colder months. Winter prep doesn’t have to be overwhelming—staying proactive is what matters most, and it’s never too late to begin.

If you’re unsure what your homeowners insurance covers during winter weather events, we’d be happy to help you review your policy and answer any questions.