How to Lower Heating Costs This Winter (And What It Means for Your Insurance)

When temperatures drop, both your heating bill and your risk of insurance claims can rise.

Winter often brings higher energy usage—but it also increases the chances of house fires, frozen pipes, and weather-related damage. The good news is that many of the steps you can take to improve efficiency will also help protect your home and reduce your chances of needing to file a claim.

Here’s how to prepare your home for the colder months ahead.

Seal the Gaps, Save on Heat

Drafty windows and doors let warm air escape and cold air in. Applying weatherstripping or caulk around windows and doors can make a big difference. Consider adding insulation in attics, basements, or crawlspaces—not only to lower energy costs but to help prevent pipes from freezing.

These upgrades are simple, affordable, and often go hand-in-hand with preventing common winter damage.

Take Care of Heating Systems and Fire Hazards

Before you crank up the heat, have your furnace inspected by a professional. A clean, well-maintained system will run more efficiently and pose less of a fire risk. If you use a fireplace, schedule a chimney cleaning to remove any creosote buildup.

Space heaters should be used cautiously. Place them at least three feet away from anything flammable, and never plug them into power strips or leave them unattended.

Is Your Home Insurance Winter-Ready?

Winter is a good time to review your homeowners insurance to make sure your current policy fits your needs. Here are a few things to check with your insurance agent:

• Does your policy cover water damage from frozen pipes?
• Are you protected if someone slips and falls on your icy sidewalk?
• Have you made any recent home improvements that should be added to your coverage?

Even small updates can make a difference in how your claim is handled if something happens.

Want to Save Even More?

Some insurers offer discounts for things like upgraded insulation, smart thermostats, or monitored fire alarms. Ask your agent if your recent improvements qualify for a lower premium—or if there are simple changes you can make to save more over time.

Need Help Getting Ready for Winter?

Your local independent insurance agent can help you review your coverage, walk you through possible risks, and recommend ways to protect both your home and your wallet this season.

Have questions? Contact your agent today to head into winter with confidence and peace of mind.