Skip to content Accessibility info

ATC Agency Blog

All You Ever Wanted to Know About Insurance

Preparing Your Home for a Minnesota Winter


Winter in Minnesota is no joke, with freezing temperatures, freezing rain and snow. Preparing your home for these harsh conditions not only ensures comfort but also helps protect your investment. Here’s a quick checklist to winter-proof your home:

1. Inspect and Seal Your Windows and Doors

Drafts can cause your heating bills to soar. Check for gaps around windows and doors and seal them with weatherstripping or caulk. Consider adding storm windows for extra insulation.

2. Service Your Heating System

Schedule a professional tune-up for your furnace or boiler to ensure it’s running efficiently. Replace filters and consider installing a programmable thermostat to regulate temperatures while saving on energy costs.

3. Protect Your Pipes

Frozen pipes are a common winter issue. Insulate exposed pipes in basements, attics, and crawl spaces. Let faucets drip during extreme cold to prevent freezing, and disconnect outdoor hoses.

4. Clear Your Gutters

Remove leaves and debris from gutters to prevent ice dams, which can cause roof leaks and damage. Ensure downspouts direct water away from your foundation.

5. Stock Up on Emergency Supplies

Minnesota winters can be unpredictable. Keep essentials on hand, including flashlights, batteries, blankets, and a backup heat source in case of power outages.

6. Inspect Your Roof and Chimney

Check your roof for missing shingles and repair any damage to prevent leaks. If you have a fireplace, have your chimney professionally cleaned to avoid fire hazards.

7. Review Your Insurance Coverage

Even with the best preparations, winter accidents can happen. Make sure your homeowners’ insurance policy is up-to-date and provides adequate coverage for potential winter-related damage like ice dams, burst pipes, or snow weight on your roof.

Taking these proactive steps will not only keep your home warm and safe but also provide you with peace of mind throughout the season. Need help reviewing your insurance policy? Contact us today to ensure you’re covered for whatever winter may bring.

Stay warm and stay safe!