Have a 2nd home? Your insurance company may expect you to keep it plowed this winter

untitled-design1Many people in our area own summer homes at the ocean, on a lake or in the mountains. This is a great destination spot to spend your summer weekends and vacations. But what happens in winter?

Many of us find it difficult to break away to visit these seasonal homes during the off-season. Between work, children’s activities and other family obligations, we just don’t get up there as we may like. So, if you know you aren’t going to go up, why have the driveway plowed? That means you’d either have to go up or pay someone to do it for you. Seems like time and money better spent elsewhere. But maybe not.

Your insurer may require access to the home year around. In the event of a fire or other issue, if the driveway to the home isn’t plowed, the emergency vehicles would be unable to get close enough to minimize the losses. Of course, it would be in your best interest, too, to try to  make sure your property is accessible for the same reason.

Unsure what your insurance requires? This is a great time to ask your agent. They can review coverages and expectations with you.  If you have any other questions or would like us to review your coverages, we are happy to help. We can be reached at www.keslarinsurance.com or 603-273-0953. Keslar Insurance Agency is in independent agency offering a wide variety of carriers for home, auto, business and life insurance in NH and Maine.

 

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