Rance DeWitt

I proudly serve Neshoba County and surrounding areas as your local State Farm Agent and have been doing so since April 2017. With a licensed staff, our office offers a combination of over 35 years experience in the insurance and financial services industry. Call, text, or come by today for a free quote on auto insurance, home insurance, business insurance, life insurance, health insurance- we would love the chance to earn your business!

Here’s some useful advice for winter to help you stay protected during the colder months:

Winter Advice for protecting what matters

• Review Your Home Insurance Policy

  • Ensure your policy covers common winter-related damages such as frozen or burst pipes, ice damming, and roof damage from heavy snow or ice.

  • Check if there are any exclusions or specific requirements for winter maintenance to keep your coverage valid.

• Prepare Your Vehicle and Auto Insurance

  • Verify that your auto insurance includes comprehensive and collision coverage to protect against winter hazards like accidents on icy roads or damage from falling tree branches.

  • Consider adding roadside assistance coverage for help with winter breakdowns, dead batteries, or getting stuck in snow.

• Document Your Property

  • Take photos or videos of your home’s current condition before winter to support any future claims.

  • Keep an inventory of valuable items in case of theft or damage caused by winter storms.

• Maintain Heating Equipment

  • Regularly service your furnace, chimney, and other heating equipment to reduce fire risks and ensure your insurance remains valid.

  • Some insurers may require proof of maintenance during winter months.

• Prevent Water Damage

  • Insulate pipes and keep your home heated to prevent freezing and bursting pipes, which is a common cause of winter claims.

  • Know how to shut off your water supply quickly in case of a pipe burst.

• Understand Your Flood Coverage

  • Winter storms can cause flooding; make sure your home insurance covers flood damage or consider purchasing separate flood insurance if needed.

• Prepare an Emergency Kit

  • Have supplies ready such as flashlights, batteries, blankets, and food in case of power outages or severe winter weather.

  • This can help reduce risk and potential claims from injury or property damage.

• Communicate With Your Insurer

  • Inform your insurance company of any changes to your property or circumstances before winter arrives.

  • Ask about any discounts available for winterizing your home or vehicle.

Staying proactive and informed can help you avoid costly losses and make your winter season safer and more comfortable. If you have specific insurance questions, consider consulting your agent for personalized advice.