Fall Into Better Coverage This Season

Fall in the South means cooler mornings, football weekends, and the start of holiday prep. As the leaves change around us, so do the risks around your home and lifestyle. From shorter daylight hours to storm season overlap, this is the perfect time to do an insurance check-up.

Here are 5 ways you can keep your family and home protected this fall:

1. Check Your Home for Seasonal Risks 🍂

Fallen leaves can clog gutters and drains, leading to water damage. Clear out your gutters and trim back branches before late-season storms. Double-check your homeowner’s policy covers water backup and wind damage.

2. Review Liability Coverage Before Hosting Gatherings 🏈 

Fall is tailgate and holiday-gathering season. If you’re hosting at your house, check your liability coverage is strong enough to protect you if a guest slips, trips, or is injured on your property. Umbrella coverage can add that extra layer of protection affordably.

3. Adjust for Shorter Days 🌙 

Accidents can increase during evening commutes with fewer daylight hours. Review your auto coverage to make sure collision and comprehensive protections are in place, especially if deer crossings are common in your area this time of year.

4. Prepare for Fireplace & Heater Use 🔥

Fireplaces and space heaters come back into play as the temperature drops. Test smoke detectors, have chimneys cleaned, and verify your homeowner’s policy includes fire protection that fits your needs.

5. Take Advantage of Discounts 🧺

Many carriers offer discounts for bundling policies (think home + auto + life). Reviewing your coverage now could save you money before the holiday season expenses hit.

Whether you’re cheering at a football game or cozying up by the fireplace, a little prep now can help you enjoy the season stress-free. We’d be happy to review your insurance policies with you and suggest adjustments to head into the holidays.