Winter checklist for your home and car

Cold weather brings frozen pipes, ice and tricky roads. Tick off what applies to you, print it, and note anything to ask your insurer.

Your home

• Know where the main water shut-off is, and make sure everyone in the home can find it.
• Insulate exposed pipes in unheated areas.
• Keep the heat on at a safe temperature if you go away, or ask your insurer what they expect.
• Clear snow and ice from steps, walks and driveways, and keep sand or salt handy.
• Check the roof and eavestroughs for ice dams or heavy snow, and do not climb on a roof yourself.
• Test smoke and carbon monoxide alarms.

Your car

• Check tires, battery, wipers and washer fluid, and switch to winter tires if you use them.
• Keep a winter kit: blanket, flashlight, shovel, charger, water and snacks.
• Keep the fuel tank at least half full.
• Know your roadside assistance contact and whether you have it.

Questions for your insurer

• Is damage from frozen pipes covered, and what conditions apply if the home is empty?
• Do I have a lower deductible for water damage than for other claims?
• Is there a discount for winter tires, and what proof does the insurer need?
• Do I have a rental car if mine is damaged?

Related pages

• Home insurance
• Auto insurance
• Should I make a claim? calculator

Common questions

Are frozen pipes covered?

Often burst-pipe damage is covered, but policies have conditions, such as keeping the home heated. Check your policy or ask your insurer.

Do I need winter tires for insurance?

Rules differ by province and insurer. Some insurers offer a discount for winter tires and some provinces require them in certain areas. Ask your insurer.

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General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.