How to ready your house for winter and get the right home insurance

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If you’re not careful, winter can play havoc with your home, which is why it’s important to have the right level of home insurance in place. It’s a really good idea to check what your policy covers and make sure that it is for the right value. If you’re not certain you’ve got the best policy for you, then you can always get some home insurance online quotes to compare policies and make a considered choice.

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But you can also take a number of measures to help look after your home during the cold winter months. And more often than not, prevention is the very best cure. Here are a few things to consider to help minimise damage to your home.


Rain, hail, snow and melting ice can be a real problem for homes if you haven’t taken the right precautions. While roofs are made to be watertight, age can take their toll – so it’s worth taking a look at your tiles to make sure they are all in place.

But possibly the most common reason for rain getting into a house is blocked guttering – often caused by a build up of autumn leaves. Once blocked, the rain can’t follow its correct course through the pipes and might find other ways to get to the ground – such as through your house. So it’s always worth having your gutters checked towards the end of autumn.


When the temperature drops below freezing your pipes can be at risk – even if they are inside your house. Burst pipes can do untold damage to a home – and your belongings – so first off, make sure you have the appropriate home and contents insurance. But it’s also a really good idea to leave your heating on a low setting if you are going to be away from your home for a few days, or a week or so. However, if you are planning on going away for a longer period of time, say a month, you should let your insurer know.

It might seem like a waste to leave your heating on – but it could save you having to replace carpets, furniture and other possessions if a burst pipe caused a flood. Just a small amount of heat going through the system could help prevent the pipes freezing up.


The winter months can often bring high winds, which can, in turn, put your home at risk. The first, most obvious, thing to check is the proximity of any large trees to your home. Make sure there aren’t any big branches overhanging your home or obvious dangers. But high winds can also dislodge roof tiles, which, as we covered above, can lead to rain getting into your home. So after high winds, it’s always worth checking the tiles on your roof – or calling in an expert to do it for you. Catching these things in time can save a lot of hassle in the future.

While prevention is definitely the best cure – the winter months can sometimes be surprisingly severe, so there’s no substitute for having the right home insurance in place. That way, you’ll have peace of mind and can relax and enjoy the wintry weather.