December 21st marks the first day of Winter! Winter weather in Texas can be unpredictable — from freezing temperatures and ice to power outages and burst pipes. While we may not deal with snowstorms often, even a short cold snap can cause costly damage to homes, vehicles, and businesses.
At Mauceri Bynum Insurance, we believe preparation is the best protection. Here are essential winter insurance tips to help homeowners, auto owners, and business owners stay safe and minimize claims this season.
Freezing weather can cause major damage in a short amount of time. Taking preventive steps now can help protect your home and your wallet.
Insulate exposed pipes in attics, garages, and exterior walls
Allow faucets to drip during extreme cold
Open cabinet doors to let warm air circulate
Know how to shut off your home’s main water valve
Clear debris from gutters to prevent ice buildup
Trim overhanging tree branches
Check your roof for loose shingles or signs of wear
Have fireplaces and chimneys inspected
Use space heaters safely, never leave them unattended, or plugged into an extension cord
Keep flashlights and backup batteries ready
💡 Insurance Tip: Many homeowners insurance claims during winter are caused by burst pipes and water damage — and coverage often depends on proper maintenance.
For added protection, review the Endorsements section of your homeowners policy to see if you have:
Hidden & Slow Water Leak Coverage
Water Backup Coverage (sump pump or sewer backup)
Foundation Water Coverage
These coverages are not included in traditional homeowners insurance and must be purchased separately as endorsements. Having the right water-related coverage in place before freezing temperatures hit can make a significant difference in the event of a claim.
Even light ice can make Texas roads dangerous. Protect yourself and your vehicle with these winter driving tips.
Check tire tread and tire pressure
Ensure windshield wipers and washer fluid are winter-ready
Keep your gas tank at least half full
Carry an emergency kit (blanket, flashlight, phone charger)
Slow down and increase following distance
Avoid sudden braking or sharp turns
Watch for black ice on bridges and overpasses
💡 Insurance Tip: Make sure your auto insurance includes comprehensive and collision coverage — especially during winter months when accidents are more common due to icy roads and reduced visibility.
It’s also important to understand that Liability coverage is designed to protect others if you’re at fault in an accident. Even if your vehicle isn’t worth much, we strongly recommend carrying at least a 100/300/100 Liability limit. This provides:
$100,000 in Property Damage coverage if you slide into another vehicle or multiple vehicles on an icy roadway
In today’s auto market, many vehicles on Texas roads are valued well over $50,000, and Texas has more pickup trucks than many other areas of the country — vehicles that often carry higher repair and replacement costs. Carrying at least $100,000 in Property Damage coverage helps protect you from being personally responsible for damages that exceed your policy limits.
Cold weather can disrupt operations and cause property damage — especially for commercial buildings.
Insulate pipes and sprinkler systems, drip faucets during freezing temperatures
Keep heat set to a safe temperature overnight
Clear walkways and entrances to reduce slip-and-fall risks
Check generators and emergency systems
Confirm property and business interruption coverage
Make sure snow/ice removal responsibilities are documented
Review commercial auto coverage for business vehicles
💡 Insurance Tip: Business Interruption coverage can be critical if winter weather forces a temporary shutdown due to frozen pipes, power outages, or unsafe conditions. This coverage can help replace lost income and cover ongoing expenses while your business gets back on its feet.
The end of the year is also an ideal time to review your Business Personal Property (BPP) limits. Many businesses add or upgrade assets throughout the year without realizing their coverage hasn’t kept up. Be sure to account for:
New office furniture or equipment
Upgraded computers, servers, or electronics
Additional inventory or supplies
Equipment added due to growth or expansion
Making these updates before winter weather and year-end renewals can help prevent underinsurance and ensure your business is fully protected going into the new year.
Winter is one of the most common times for preventable insurance claims. A quick review can help ensure you’re properly protected before freezing temperatures hit.
At Mauceri Bynum Insurance, we help clients:
✔ Review home, auto, and commercial insurance
✔ Identify coverage gaps
✔ Apply available discounts
✔ Prepare for seasonal risks
🏆 Voted Best of McKinney 12 Years in a Row, we’re proud to protect families and businesses across Texas.
(214) 733-8400
📍 301 E Virginia Street, Suite 201
McKinney, TX 75069
👉 Start your quote or schedule a policy review today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx
Stay safe, stay warm, and let us help protect what matters most — all winter long. ❄️
