Winter is coming!
Categories: Insurance|Published On: October 25, 2022|2.1 min read|

Getting ready for winter weather

Fall has arrived, but there’s still time to get ready for winter weather, including storms. Extreme cold is always a possibility here in Cincinnati, so we at Outdoor AdvINSURE, have compiled some tips to help you stay safe and limit damage.

Prepare your home

  • Perform basic winter maintenance — insulate your walls and attic, caulk and weather-strip doors and windows, and insulate water lines that run along outer walls. When temperatures drop, keep water taps slightly open so they drip continuously, and keep the cabinets under sinks open to allow warmer air in.

  • If you use a fireplace or wood stove, have the chimney or flue inspected each year. Make sure your house has working smoke and carbon monoxide detectors, and test them monthly.

  • Check your emergency supplies and ensure that you have adequate food and water, along with a battery-powered radio, in the event of an extended power outage. You’ll want a week’s worth of supplies, or more if you live in a remote area.

  • Never use gas-powered generators or barbecue grills indoors. These can allow deadly carbon monoxide to build up.

Prepare your vehicle

  • Have your vehicle serviced according to manufacturer recommendations. Check the antifreeze level.

  • Keep the gas tank near full, which helps avoid ice in the fuel lines and the gas tank itself.

  • Replace wiper fluid with a wintertime mixture.

  • Make sure your tires are in good shape and have the proper air pressure.

  • Check to confirm your battery has a good charge, your heater and defroster are working well, and that your emergency lights are functional.

Prepare yourself too!

  • Always wear temperature-appropriate clothing, such as hats, gloves, scarves, etc. Remove any wet clothing immediately. And keep spare clothing in your car trunk throughout winter in case you are stranded or stuck.

  • Stay hydrated. You might think this is more important when it’s warm outside, but it’s just as vital in winter.

  • Be mindful of physical exertion and the amount of time you’re spending outdoors. Shoveling snow is hard work, so don’t overdo it!

Contact Us!

At Outdoor AdvINSURE, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (513) 653-3800 or send us a note at sales@onthewatermarine.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Related Articles

  • What Does Boat Insurance Actually Cover?
    Published On: November 25, 2025

    Understanding what boat insurance covers is one of the most important parts of protecting your boat. This guide breaks down the essential coverages every boater should know, from hull protection to liability, towing, medical payments, and more. If you want help reviewing your current setup or getting a quote, I can walk you through it in a few minutes.

  • Agreed Value vs Actual Cash Value Boat Insurance
    Published On: November 25, 2025

    Understanding the difference between Agreed Value and Actual Cash Value is one of the most important decisions you’ll make when insuring your boat. Agreed Value gives you predictable protection with no depreciation, while Actual Cash Value lowers your premium but can reduce your payout after a loss. Choosing the right option can save you thousands during a claim. If you want help determining which one fits your boat best, I can walk you through it in just a few minutes.

  • Are Pets Covered Under Your Boat Insurance Policy
    Published On: August 28, 2025

    Every time my family heads out on our boat, our Goldendoodle, Cooper, is the first one ready to go. Just this past weekend at Rocky Fork Lake, he proudly sported his life jacket. But are pets covered under your boat insurance policy if they get injured? At On The Water Marine Insurance, we know pets are family. This post explores how pet coverage, ranging from $750 to $2,000, can protect your furry crew, sharing our experience to help you safeguard your pet on the water.