Your home insurance policy generally covers damage caused from the effects of winter storms – such as frozen plumbing or structural damage caused by the weight of ice and snow, subject to the exclusions and limitations specified in your individual policy. You may also purchase endorsements to your Horace Mann policy for replacement cost of contents and to insure the contents of your refrigerator and freezer that are lost due to an extended power outage.
The comprehensive coverage in an auto policy generally covers repair or replacements costs resulting from damage directly caused by the effects of winter storms, such as damage caused by high winds or the weight of ice and snow. Your policy’s collision coverage generally covers auto damage caused by colliding with another object. Your policy’s liability, uninsured or underinsured motor vehicle coverage, and medical payments/personal injury protection coverages provide protection if you’re involved in winter weather-related accident with other drivers.