Protecting your home and car in the cold weather
Cold weather can be tough on both your home and your car. The good news? A little preparation now can help you avoid costly surprises later. We've pulled together a few quick winter prep tips to help make things easier.
Keeping your car winter ready
Make sure your gas tank stays full
In the winter, a fuller tank does more than keep you moving, it helps prevent fuel line freeze and gives you a buffer if you hit slow traffic or unexpected delays.
Top off essential fluids
Winter-ready washer fluid keeps your windshield clear when salt and slush start building up. It's also worth checking your antifreeze and oil levels to keep your engine protected from freezing temps. Many repair shops check these automatically with regular service.
Ensure your tires are ready to roll
Winter conditions can make roads slick, so tire health matters. Keep an eye on your tire pressure (it drops as temperatures fall) and make sure your tread can still grip the road. If you drive in snow or ice often, winter tires can add another layer of safety.
Preparing your home for winter
Keep your home at a safe temperature
Maintaining at least 55°F indoors (even when you're not home), helps prevent pipes from freezing. If you're traveling, opening cabinet doors under sinks can help warm air reach exposed plumbing.
Check for drafts, leaks and weak spots
A quick walk around your home can reveal where cold air is slipping in, especially near windows, doors or your foundation. Adding simple fixes like caulk or weatherstripping can make a noticeable difference in keeping your home warm. If you live in a snowy climate, check your roof and gutters for ice dams throughout the season.
Protect exposed pipes
Pipes in unheated areas are more likely to freeze. Wrap them with insulation to help protect them, and during very cold weather, let your faucets drip a little to reduce pressure. Winter also is a perfect time to test your smoke and carbon monoxide detectors.
Review your insurance coverage before winter hits
Winter is one of the most common times for home and auto claims, from burst pipes to fender benders to slipping hazards. Reviewing your coverage now can help ensure you're protected before temperatures drop.
- Look over your home and auto policies so you're not caught off guard.
- Consider whether bundling home and auto coverage could simplify your protection or save you money.
Horace Mann is here to help
At Horace Mann, we understand the unique needs of educators and offer coverage designed to protect what matters most. Connect with a Horace Mann representative to review your policies or explore your home and auto insurance options. Staying prepared helps you keep your focus where it belongs — inspiring your students.