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Financial Fitness Blog

Save money with our winter lay-up program for your summer toys

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Steve SchofieldDo you have a boat, motorcycle and/or an RV insured by Progressive through WEA Member Benefits? If so, you could save money on your off-season premiums by participating in the winter lay-up program. The lay-up program reduces premiums temporarily by reducing selected coverages—such as bodily injury and collision—while your summer toys are stored away for the season.

No need to remember

Your coverage will be scheduled to automatically increase to the original amounts on March 1, 2015, or April 1, 2015, based on your preference. A new declarations page will be sent for your records once we have returned all coverages to their original levels.

Enrolling is easy

If you have questions about insuring a boat, RV, or motorcycle, call us at 1-800-4010. If you have coverage for your summer toys with Progressive and would like to enroll in the winter lay-up program, call Progressive at 800-888-7764. Press 0 to talk with a representative.

Steve Schofield, Personal Insurance Consultant

Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.

Protect your home from the perils of winter

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Tim GanoungWhen it comes to your home, safety is priority one. With the freeze and thaw cycles of winter, the season can bring some unique pitfalls that you will want to avoid. Here are a few tips on preventing some of the more common problems you may face as a homeowner in the wintertime.

Ice dams

To help reduce the risk to your home:

  • Make sure your gutters are clear of leaves and debris.
  • Keep the attic well-ventilated.
  • Make sure the attic floor is well-insulated.
  • After a heavy winter storm, remove a layer of snow at least three feet above the gutter line with a long-handled aluminum roof rake while you stay safely on the ground.

Water damage from ice dams is generally covered on your home insurance policy, but exclusions may apply. Be sure to read your policy carefully and contact your insurance company right away if you have damage.

Bursting pipes

To help reduce the risk to your home:

  • Fit exposed pipes with insulation sleeves or wrapping.
  • Seal cracks and holes in outside walls.
  • Keep cabinet doors open to allow warm air to circulate around pipes.
  • Let warm water drip overnight, especially from a faucet on an outside wall.

Water damage from frozen pipes is generally covered, but several exclusions do apply.

Sidewalk safety

To help reduce the risk of falls:

  • Clean your walks promptly after a snowfall to keep snow from bonding to the surface.
  • Spread sand or gravel on icy patches to make your sidewalk safer for pedestrians. Spreading sand on a sidewalk before ice forms can also make future ice easier to remove. Free sand may be available in your community.
  • Pile snow in a place where it will not run across your sidewalk when it melts and aim your downspouts away from areas where people walk to keep your sidewalks clear during freeze-thaw cycles.

As a homeowner, it’s your responsibility to keep your property safe. Removing snow and ice from your property as soon as possible will help prevent visitors from injuring themselves on slippery walkways, stairs, or entryways. If someone is injured, you may be held liable for their medical expenses, lost wages, and even pain and suffering. Your home insurance offers protection against financial loss for claims, but preventing a claim in the first place is to your advantage. Many companies will raise rates or cancel policies depending on the situation.

If you have any questions about your home insurance with Member Benefits, please contact us at 1-800-279-4010.

Tim Ganoung, Personal Insurance Consultant