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Your Winter Insurance Checklist

Just the very thought of winter can be chilling, and now that we’re well into fall this trying Canadian weather lurks just around the corner now. Before our streets, houses and cars are blanketed in snowfall, we’ve just finished having a couple months of beautiful, crisp autumn weather, and now that you enjoyed a variety of fall activities on your checklist, like apple picking, pumpkin carving, drinking spiced lattes, and cozying up with your favourite oversized sweater, it is now a great time to capitalize on winter-proofing your home and possessions while the weather is manageable before the snow hits us. By doing so, you can face the colder weather head-on, knowing that you’re protected.

Not sure where to start? We’re here to help. Here is your complete winter insurance checklist:

Seasonal Vehicles:

Unfortunately, all good things must come to an end – even your summer toys and seasonal vehicles that accompanied you on many adventures throughout the summertime. Ensuring that both the interior and exteriors of these vehicles are cleaned out, removing water and liquids from a vehicle’s system, and checking tire pressure are good ways to keep these items in great condition as they hibernate throughout the winter.

Unoccupied or Vacant Home:

We’ve written many articles about how to protect your temporarily vacant home, and that’s because your home is where all of life’s most valuable possessions live. If you’re thinking of retreating to warmer climates this winter, or if you’re able to, then it’s important to have a close friend or family member check on the well-being of your home.

Winterize Your Home:

There are many ways to winter-proof your home, from repairing cracks and damages done to doorways and windows, removing and replacing damaged roof shingles, and detecting cracks or fissures in your driveway’s concrete. These are great preventative measures that you can apply to the exterior of your home, but there are also some best practices for winterizing the interior of your home. Inspecting home and dishwasher hoses for any damage or loose parts, as well as making sure carbon monoxide detectors are in working order are just a couple of ways that you can prepare a safe, hazard-free home for the long winter months.


Canadian winters can be harsh, relentless periods that can cause a lot of wear and tear on houses, equipment, and other valuable possessions. With a well-thought-out and flexible insurance plan, you can have peace of mind knowing that your valuables, and loved ones, are safe. When the unexpected happens, you’ll be glad you chose Palladium Insurance. Speak to one of our experienced professionals today, to learn more about your insurance policies right for you.

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