Spring Insurance Tips for Ames, IA Residents: Stay Protected This Season

Spring in Ames, IA, brings warmer weather, blooming flowers, and unpredictable seasonal risks. From severe storms to home maintenance needs, this is the perfect time to review your insurance coverage. Follow these essential spring insurance tips to keep your home, vehicle, and loved ones safe.

1. Prepare for Spring Storms and Severe Weather

Iowa’s spring weather can bring strong winds, heavy rain, hail, and even tornadoes. Take these steps to ensure your homeowners or renters insurance policy offers adequate protection:

✅ Review your coverage to confirm it includes storm-related damages.
✅ Check for wind and hail damage protection, which is crucial in the Midwest.
✅ Consider flood insurance if your home is in a low-lying area or prone to heavy rain.

2. Inspect Your Home for Winter Damage

Winter weather can cause hidden damage to your home’s roof, siding, and gutters. Prevent costly repairs by performing these maintenance checks:

🔹 Inspect your roof for missing or loose shingles that could lead to leaks.
🔹 Clean out gutters to prevent water buildup and foundation damage.
🔹 Seal windows and doors to avoid mold growth and structural issues.

3. Get Your Car Spring-Ready

Spring weather can be unpredictable, and potholes from winter storms can damage your car. Ensure your auto insurance is up to date and take these precautions:

🚗 Check your policy to verify comprehensive and collision coverage for storm-related incidents.
🚗 Inspect your tires, brakes, and wipers to ensure your car is road-ready.
🚗 Consider adding roadside assistance for extra peace of mind.

4. Insure Your Recreational Vehicles

Warmer temperatures mean it’s time to take your boat, motorcycle, or RV out of storage. Before hitting the road or water, be sure to:

🏍 Review insurance coverage for your recreational vehicles.
🚤 Check liability protection in case of accidents.
🛠 Perform maintenance checks to ensure safety after winter storage.

5. Protect Yourself from Liability Risks

Spring is the season for barbecues, outdoor parties, and backyard fun. Reduce liability risks with these tips:

✅ Ensure your homeowners insurance includes liability coverage for guests on your property.
✅ Check pet liability coverage, especially if you have a dog.
✅ Review coverage for outdoor features like pools, trampolines, and fire pits.

Spring into a Secure Season with Severson Insurance Agency, Inc.

Spring is a season of renewal—take this opportunity to refresh your insurance policies. Severson Insurance Agency, Inc. is here to help you stay protected with tailored coverage options.

📞 Contact us today for a policy review and ensure you’re covered this season!

Local. Trusted. Here for You.

Severson Insurance Agency, Inc.