As extreme weather events become more frequent and severe, winter-related claims could make up a significant portion of your total claims. It is prudent to take reasonable measures to secure and maintain your home.

In the event that the worst happens this winter, you should ensure that your insurance policy adequately protects you against the following:

HEATERS POSE A RISK OF FIRE OR INJURY

The high temperatures generated by heaters provide a fire risk, and gas heaters in particular may ignite flammable things like clothing, curtains, and other textiles.

ANTICIPATE WET WINTER STORMS

Storm-proofing your property is a must if you reside in an area that has wet and windy winters. Door and window storm guards are another option to consider. In addition, check for leaks and fix any in order to stop water damage from occurring. Fortunately, if you are insured and a winter storm causes damage to your property, you can file a claim to recover your losses.

POWER OUTAGES AND GENERATORS POSE A RISK ON YOUR APPLIANCES

A lot of electricity is being used by your appliances, particularly the ones that use motors. Load shedding and the subsequent deployment of generators means that you should be aware of the risk of power spikes and take appropriate precautions. Safeguard your home by unplugging any electrical items as soon as the power goes off. In addition, surge protectors are available. However, the first line of defence is the most crucial, and that is to have adequate household contents insurance.

This winter, it is prudent to prepare for and protect your home from potential winter hazards that could endanger you and your family. Protect the long-term viability of all your belongings with Ngenious Business Solutions.

We believe that the risks faced by each business and each individual is unique. We believe in providing each business, each of our clients with a comprehensive insurance solution that addresses their own unique and individual risks. A solution that will fit into your budget and not break the bank.

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