As winter approaches, many Minnesotans are packing up and heading south to escape the snow and cold. If you’re one of those “Snowbird” travelers trading parkas for palm trees, a little preparation before you go can help you avoid big headaches later.
At F&M Insurance in Springfield, we want to make sure you can enjoy your time in the sun knowing your home, vehicle, and peace of mind are well protected here at home.
1. Protect Your Home Before You Go
An empty home can face all kinds of winter challenges—from frozen pipes to power outages. Before you leave:
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Set your thermostat to at least 55°F to prevent pipes from freezing.
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Shut off your main water line and consider a leak detection or smart monitoring system.
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Arrange for someone to check in periodically, especially after heavy snowfalls.
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Unplug electronics and secure windows, doors, and outdoor furniture.
It’s also smart to review your home insurance policy to be sure it covers long absences and potential winter damage.
2. Prepare Your Vehicles
Whether you’re driving south or leaving a vehicle behind, make sure it’s ready:
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Get your car, RV, or camper serviced—check fluids, tires, and batteries.
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Confirm that your auto insurance covers you in the states you’ll be visiting.
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If storing a vehicle, consider comprehensive coverage for theft, vandalism, or weather-related damage.
3. Review Health and Travel Coverage
If your travels will take you out of state for several months, it’s worth checking your health and travel insurance. Some plans have limits on out-of-state care or international travel. A quick review now can save you costly surprises later.
Our team can help you explore short-term or supplemental travel insurance options that keep you protected wherever you roam.
4. Protect Your Belongings
Before you hit the road:
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Make an inventory list or take photos of valuable items in your home.
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Ask about rider policies if you have jewelry, electronics, or collectibles that may not be fully covered under your standard home policy.
5. Stay in Touch with Your Local Agent
Before you go, give us a call or stop by the office. We can:
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Review your coverage for home, auto, and travel.
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Update your contact details while you’re away.
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Recommend any seasonal adjustments for your policies.
Our team at F&M Insurance is always here to help you plan ahead so you can enjoy your winter getaway worry-free.
Enjoy the Sunshine—We’ll Handle the Rest
Being a Snowbird is all about enjoying the best of both worlds—summer up north and sunshine down south. With the right preparation and coverage, you can focus on relaxation and leave the rest to us.
Before you head out, contact F&M Insurance in Springfield, Minnesota, for a quick seasonal coverage check-up.
📞 507-723-5371 | 🌐 fminsuranceagency.com