Don’t Get Frozen Out by Your Insurance Company
Review Your Policies Before You Brave the Cold

It’s a winter wonderland in many parts of the country. Whether you’re traveling to snow, or Mother Nature is bringing it home to you, there are insurance considerations to review before you bundle up and brave the cold. The National Association of Insurance Commissioners (NAIC) suggests you review your insurance policies to see how you are covered for some common winter activities.


Before you jump on a ski lift or take a run down your favorite slope, it is a good idea to check your homeowners or renter’s policy, as well as your health insurance, just to make sure you know what to do in case of an accident or a loss.

Generally, ski equipment you own will be covered up to a specific limit by your homeowners or renter’s policy. Check the limit in your policy and decide if that will be enough to replace the equipment if it is damaged or stolen. When checking, remember to factor in your deductible. If you think you need more coverage, talk with your insurance agent about an additional rider for the equipment.

Because you may be out of town without access to your family physician or local hospital, make sure to review your emergency medical treatment requirements – for instance, are you required to seek medical treatment at a certain hospital or urgent care center? What’s your emergency room co-pay? If you need to fill a prescription, do you have to go to a certain pharmacy? It never hurts to have a list of these details when you travel.


Snowmobiles are not covered under typical homeowners, renter’s or auto insurance policies. So if you are worried about your property or personal liability while operating these machines, talk with your insurance agent about a separate snowmobile insurance policy. Be aware that if you plan to take your snowmobile off your private property, you should carry proof of insurance.

If you are traveling and plan to rent a snowmobile, consider rental insurance if it is offered and you are worried about covering a loss. Read the contract carefully before signing, and ask questions if you don’t understand the limits or coverages.

Travel Insurance

Whether you are planning a getaway to somewhere warm or headed to a snowy destination, travel this time of year can be uncertain. Airports around the U.S. and Europe are already experiencing delays and cancellations because of winter weather. Travel sites and airlines offer travel insurance for people worried about not getting to their destination, or getting stuck far away from home. Travel insurance can cover everything from lost luggage to delays and cancellations. Make sure you closely read any policy you consider. For more complete information about travel insurance, read this consumer alert: Offers of “Protection” May Not Provide Insurance Coverage for Your Travel Investment

Snow Plowing

If you have a plow on your truck ready to help friends by volunteering to remove the snow in their driveway, your personal auto policy should cover your liability and any property damage you might cause. But, before offering to help, read through your policy or talk with your auto insurance agent to make sure you are covered.

If, however, you are using that blade to make a little extra cash this winter, your personal auto insurance policy will not likely provide coverage. You should consider a commercial auto policy – one that includes coverage for plowing – before committing your services.

Snow Removal at Home

Generally, your homeowners or renter’s policy will cover liability for injuries, should someone slip and fall on your property. However, your insurance company is going to expect that you are performing due diligence to make the walks around your home safe for visitors. Your city’s snow-removal statutes may also play a part in what the insurance company is going to require. Check with your city to see what rules apply.

Winter Illness

Doctors' offices are crowded during cold and flu season, making a trip for a sore throat or an earache potentially time-consuming. Your health insurance may offer alternatives to waiting at the doctor’s office. Ask your health insurer whether your plan includes a nurse answer line that can answer questions about your symptoms. Or, check to see if the local pharmacy has a quick treatment center that accepts your health insurance. However, for any prolonged or acute illness, it is best to see your doctor in person.

More Information
Many winter activities come with increased risk. A call to your insurance agent is always a good first step to make sure you and your family are protected. If you have additional questions about your insurance needs for winter risks, contact your state insurance department. For a link to your insurance department’s website, go to

For more information about health, home, life and auto insurance options, and tips for choosing the coverage that is right for you and your family, visit

December 2010

About the NAIC

Formed in 1871, the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50 states, the District of Columbia and five U.S. territories. The NAIC has three offices: Executive Office, Washington, D.C.; Central Office, Kansas City, Mo.; and Securities Valuation Office, New York City. The NAIC serves the needs of consumers and the industry, with an overriding objective of supporting state insurance regulators as they protect consumers and maintain the financial stability of the insurance marketplace. For more consumer information, visit

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