Winter Insurance Tips Every Homeowner Should Know in The Gorge

As the temperatures drop and the Gorge weather turns unpredictable, now’s the time to make sure your home — and your insurance — are ready for winter. From frozen pipes to icy driveways, a few smart steps today can help you avoid costly headaches tomorrow.'

1. Protect Your Pipes and Plumbing

Frozen pipes are one of the most common (and expensive) winter claims. To lower your risk:

• Insulate exposed pipes in crawl spaces and basements.

• Let faucets drip during freezing nights.

• Know where your main water shutoff valve is — and test it.

  
  

A quick check now can prevent a burst pipe from becoming a disaster later.

2. Keep Your Roof and Gutters Clear

Clogged gutters can cause ice dams, leaks, and water damage. Before the next storm rolls in, clean out debris and make sure downspouts direct water away from your foundation. If you notice loose shingles or sagging areas, have them repaired before snow hits.

3. Watch for Ice and Liability Hazards

Slippery sidewalks and icy driveways are a recipe for injury — and potential liability claims. Keep walkways salted, shovel regularly, and check that your homeowners or renters insurance includes liability coverage in case someone gets hurt on your property.

4. Review Your Coverage Before the Holidays

Between guests, gifts, and new gadgets, the holidays can change what’s inside your home. Take a few minutes to update your home inventory and make sure your coverage reflects any new purchases or improvements.

If you’ve remodeled, added a wood stove, or bought high-value items, your policy may need an adjustment.

5. Don’t Forget About Auto Coverage

Winter driving in the Gorge can be unpredictable. Review your comprehensive and collision coverage to make sure you’re protected from winter-specific risks — like road debris, fender benders, or wildlife collisions.

Stay Safe This Season

Winter weather can be rough, but a little preparation and the right coverage make all the difference. If you’d like help reviewing your policy or want personalized advice for your home or auto insurance, our team at Crown Point Insurance is just a call or click away.

Let’s make sure your winter is safe, cozy, and worry-free.

📞 Contact us today or stop by our Hood River office to review your coverage before the new year.