❄️ Winter Freeze Insurance Tips for Texans: How to Protect Your Home, Car & Business 

Texas are preparing for a significant winter freeze this weekend, with temperatures expected to drop rapidly and remain below freezing for several days.

From burst pipes to icy roadways and unexpected business closures, preparation is key. Below are practical winter insurance tips for homeowners, drivers, and business owners to help protect what matters most — and ensure your insurance coverage is ready before the storm hits.

@ Source: Fox 4 News 

🏠 Winter Insurance Tips for Homeowners

Frozen pipes and water damage are among the most common and costly winter insurance claims in Texas.

How to Protect Your Home During a Freeze

Drip faucets, especially those on exterior walls

Open cabinet doors under sinks to allow warm air to circulate

Know where your main water shut-off valve is located

Disconnect and cover outdoor hoses

Insulate exposed pipes in attics, garages, crawl spaces, and outdoor areas

Seal drafts around doors, windows, and foundation penetrations

Pool & Outdoor Equipment

Set pool systems to freeze or winter mode

Keep pumps running during freezing temperatures

Cover exposed pool equipment

If power fails, immediately drain equipment (pump, filter, heater) to prevent cracked pipes. 

💡 Insurance Tip:
Many winter homeowners claims stem from burst pipes and water damage. Coverage often depends on proper maintenance.

Review your Homeowners Policy for optional endorsements such as:

Hidden & Slow Water Leak Coverage

Water Backup Coverage

Foundation Water Coverage

Equipment Breakdown

These coverages are excluded from standard homeowners policies unless added by endorsement.

🚗 Winter Driving & Auto Insurance Tips

Even a small amount of ice can make Texas roads dangerous. Winter weather often leads to an increase in accidents, especially during early morning and overnight hours.

Stay Safe on Icy Roads

Avoid driving during icy conditions if possible

Allow extra travel time

Increase following distance

Brake slowly and avoid sudden turns

Use caution when walking on icy sidewalks and parking lots

💡 Insurance Tip:
Make sure your auto policy includes Comprehensive and Collision coverage, especially during winter months.

Also remember:

Liability coverage protects others, not your vehicle

We recommend carrying at least 100/300/100 liability limits. This includes $100,000 in Property Damage coverage

In today’s Texas auto market, many vehicles, especially trucks and SUVs, exceed $50,000 in value

Higher liability limits help protect you from being personally responsible if damages exceed your policy limits after a winter accident.

🏢 Winter Insurance Tips for Business Owners

Freezing weather can cause more than property damage. Freezing can interrupt operations, reduce revenue, and force temporary closures.

Protect Your Business Location

Insulate exposed plumbing and sprinkler systems

Drip faucets and open cabinet doors under sinks to allow warm air to circulate

Keep heat on in vacant or low-traffic areas

Know where your water shut-off valve is located

Secure outdoor signage, equipment, and inventory

Prepare for potential power outages

💡 Insurance Tip:
Business Interruption Coverage can be critical if winter weather damage forces a temporary shutdown.

End-of-Year Business Insurance Review

Winter is also an ideal time to review your Business Personal Property values, especially if you’ve:

Added new furniture or fixtures

Purchased new computers or upgraded electronics

Increased inventory

Expanded or remodeled your space

Underinsured property can lead to reduced claim payments, even when a loss is covered.

❤️ Support Local Businesses This Winter

Winter storms can be especially challenging for small businesses and restaurants. If you’re able, consider supporting local businesses before or after a storm, even a short closure can have a big financial impact.

We’re proud to insure many incredible local businesses, including:

Bresnan Bread & Bakery

Cavalli’s Pizza

Hutchins BBQ

Supporting local helps keep our communities strong year-round.

📋 Winter Storm Preparedness Checklist

Bottled water & non-perishable food

Flashlights & extra batteries

Phone chargers / power banks

Warm blankets and clothing

Pet supplies

First-aid essentials

🤝 We’re Here to Help — Before Winter Weather Hits

At Mauceri Bynum Insurance, we’re happy to review your:

Homeowners Insurance (water & freeze-related coverages)

Auto Insurance (Comprehensive, Collision & Liability limits)

Commercial Insurance (water damage & Business Interruption coverage)

Having a trusted advisor review your coverage before winter weather arrives can make all the difference when you need it most.

🏆 Voted Best of McKinney 12 years in a row
📞 (214) 733-8400 Calls answered live — no voicemail during business hours
🛡️ All policies serviced in-house

Ready to Review or Quote Your Insurance?

You can get started anytime by visiting our website and using our Quote Yourself tool

👉 Start your quote or request a policy review today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx

Stay warm, stay safe, and reach out if you’d like a personalized insurance review before the next winter freeze.

 www.minsuranceagent.com

📍 Mauceri Bynum Insurance
301 E Virginia Street, Suite 201
McKinney, TX 75069