From frozen pipes to roof leaks to unexpected guest cancellations, winter weather can hit rental owners hard. Having the right vacation rental insurance in place is one of the smartest steps you can take to protect your property, income, and guest experience during the colder months.
How Winter Weather Affects Vacation Rentals
Cold temperatures and harsh conditions can create costly issues, including:
- Frozen or burst pipes
- Slip-and-fall hazards for winter guests
- Property damage due to heavy snow or heating system failures
- Blocked or unsafe driveways and walkways
- Last-minute guest cancellations due to storms or travel delays
Even well-maintained properties can experience winter-related damage or disruptions.
How to Reduce Winter Weather Risk
Take the following actions to proactively protect your property ahead of the winter months:
- Insulate pipes and check crawl spaces for drafts
- Clean gutters to help prevent ice dams
- Test heating systems before peak cold
- Add non-slip mats and keep walkways treated
- Provide clear guest instructions for winter conditions
- Install smart thermostats or leak detectors
- Inspect roofs and decks for snow load concerns
Preparation helps, but insurance fills the gaps. Vacation rental insurance is built for real property risks, especially those that arise during winter. Typical seasonal benefits include coverage for:
- Damage from frozen or burst pipes
- Ice and snow-related roof and structural damage
- Heating system or utility failures that cause property damage
- Liability protection for guest injuries on icy surfaces
- Outbuildings and outdoor amenities impacted by storms
Get Winter-Ready With CBIZ Vacation Rental Insurance
Winter is one of the most challenging seasons for vacation rental owners. CBIZ Vacation Rental Insurance provides the seasonal protection you need to stay resilient and safeguard your investment amid severe winter weather.
Connect with our team to discover tailored insurance solutions designed for owners like you.
This blog may contain scenarios that are provided as examples only. Coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.