Is Your Home Covered for Common Autumn Accidents?

As autumn arrives, homeowners often look forward to cooler temperatures and seasonal changes.

However, fall also brings unique financial risks that can impact your home and property. At One Choice Insurance, we want to help you understand how your home insurance may respond to common autumn accidents and what steps you can take to ensure your coverage is ready for the season.

Understanding Autumn Risks in Homeownership

While Texas might not experience the same fall weather as northern states, autumn still presents several hazards for homeowners, such as the following:

• Storm damage. Fall storms can bring heavy rain, strong winds, and even hail, leading to roof damage or fallen branches.
• Slips and falls. Wet leaves on walkways and driveways can create slippery surfaces, increasing the risk of guests or family members slipping and getting injured.
• Fire hazards. As temperatures drop, many homeowners use fireplaces, space heaters or candles more frequently, raising the risk of accidental fires.

Preparing Your Policy for Fall

Our team at One Choice Insurance recommends reviewing your home insurance policy whenever autumn rolls around so you can ‘refresh’ your policy and be sure that it has adequate coverage in place. Consider these steps:

• Check your coverage limits and deductibles.
• Ask about additional coverage for flood or windstorm damage.
• Make sure your liability limits are sufficient for potential accidents.
• Discuss any recent home improvements or changes with us to keep your policy up to date.

We’re here to help homeowners stay insured through every season. If you have questions about home insurance or want to review your policy, contact us today.

Ready to prepare your home for fall? Reach out to our team at One Choice Insurance for a personalized insurance review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.