Winter Tips for First-time Homeowners in Harrisburg, PA

Temperatures in the Harrisburg, PA area can dip well below freezing at times during winter. Between these cold snaps and winter storms, it’s important to make sure your new home is ready. Use the following tips for first-time homeowners to prepare your home for winter.

Schedule a Furnace Inspection

Having the furnace in your new home inspected helps ensure that it’s in good working condition before severe weather hits. That means you won’t have to worry about being without heat while waiting for repairs to be done when it’s freezing out. Also, remember to replace your furnace filter every one to three months. Dirty filters make it hard for your furnace to heat your home efficiently. 

Keep Stairs and Sidewalks Safe

Harrisburg gets its share of snow and ice each winter, which can lead to slippery sidewalks and stairs. Shovel these to keep them clear, so no one gets hurt while walking on them. Before snow arrives, you should also check your outdoor stairs and railings to make sure they’re in good shape. Fix up any loose railings, and consider replacing steps that are cracked or in poor condition.

Prepare an Emergency Supply Kit

Make sure your home is well-prepared if you lose power for a few days and need to stay warm. Keep emergency supplies handy, such as bottled water, nonperishable food, a battery-operated radio with fresh batteries, extra blankets and flashlights. Don’t use your gas oven to heat your home, and have your fireplace inspected before using it as a heat source.

If you’re planning on purchasing your first home, you’ll need to make sure you have the right coverage. Visit Henderson Insurance Agency, and you’ll be able to conveniently compare quotes on homeowners insurance for your Harrisburg home. 

Home Liability Coverage Options

Living in Pennsylvania can be a lot of fun. Regardless of what neighborhood you live in, there are certain aspects of homeownership that you are going to deal with, including standard home repairs, snow and ice in the wintertime, and more. You want to make sure that you do everything you can to keep your home safe. There is still going to be the possibility of someone getting injured.

These injuries can become your responsibility as the homeowner. There are home liability coverage options available within your homeowner’s insurance policy to help provide financial protection. It will be easier to file a claim with the insurance company as opposed to paying for everything out of your own wallet.

Some of the coverage you want to look at includes:

Pain and suffering: Particularly when a lawyer gets involved, there may be a settlement for the person’s pain and suffering – which can add up to tens of thousands of dollars in many instances.

Medical bills: You may be held responsible for all of the medical bills that a person encounters, even if a person has health benefits.

Wages: If a person is out of work or a considerable amount of time because of their injuries, you may be held legally liable for all of the wages that they lose as a result.

Legal costs: If you are sued, you will need to have a lawyer. Liability coverage have the ability to cover all of the legal expenses, even if you are found responsible.

All of these different expenses can be included within the home liability coverage that you have. It is also possible to ensure coverage is available for various scenarios where a person could potentially become injured.

Contact us at Henderson Insurance Agency today to learn more about your home liability coverage options in Harrisburg.