Protecting Your Investment: Homeowner’s Insurance in Rhode Island

December 28, 2011

Harsh winters in north-eastern states bring damage to homes year after year. From hail to blustery winds, the dangers are numerous and reoccur every time winter rolls around. Out-of-pocket costs to replace broken windows, shingles, and other damages from winter storms can skyrocket. That is why it is important for homeowners to protect their investment. By purchasing homeowners insurance, Rhode Island residents can rest soundly on the cold winter nights knowing that they have financial protection in the event of damage covered by their home policy.

Winter weather is full of threats to various structures. Hail can break shingles and shatter windows while blasting winds can remove sidings and ruin paint jobs. Freezing water can bust pipes and cause water damage to flooring and walls. The risks of damage repeat every year as winter looms over the north. Homeowner’s insurance can help with repairs.

In addition to purchasing homeowner’s insurance, in Rhode Island, and other states where cold weather returns each year with its threats of structural damage, home owners can take measures to prevent damage. Simple tasks such as clearing debris from storm gutters, removing old limbs from nearby trees and running a steady stream of water to keep pipes from freezing, can all assist in preventing winter damage to homes.

Insurance rates often decrease as claims and threats of damage decrease. When it comes to homeowners insurance, Rhode Island residents would probably agree that it is worth the investment once they consider the numerous risks of winter weather. That said, no one wants to pay more than they have to for anything. Contact our agency to see how much money we could save you on the coverage you need.