When the temperature drops, most renters think about heating bills and warmer blankets. But colder weather can also put your belongings at risk. At Swartz Premier Group Insurance in Moberly, MO, we want renters to feel prepared as winter approaches. Here are a few common problems to watch for.
Frozen Pipes and Water Damage
Freezing temperatures can cause pipes to crack or burst, sending water into your apartment. Even if the pipes themselves aren’t yours, your furniture, electronics, and clothing can still be ruined. Let faucets drip on the coldest nights and keep cabinet doors open under sinks so warm air can reach the pipes.
Space Heater and Fire Hazards
Many renters turn to space heaters when their apartment feels chilly. These can start fires if placed too close to curtains, bedding, or other flammable items. Plug them directly into the wall, never use an extension cord, and always turn them off before leaving or going to sleep.
Slips, Falls, and Theft
Icy steps and walkways can cause injuries to you or your guests. Darker evenings also give thieves more cover, and holiday packages left on porches can become easy targets. Keep entry areas well-lit, lock doors and windows, and bring in deliveries promptly.
Stay Protected This Winter
Your landlord’s policy covers the building itself, but it typically doesn’t cover your personal belongings or your personal liability. Renters insurance can help replace what you lose and protect you if a guest gets injured in your home. If you’d like to see what coverage fits your budget, the team at Swartz Premier Group Insurance in Moberly, MO, is here to help. Reach out today and stay ready for the winter ahead.
