Protecting Detached Structures, Guest Houses and Luxury Garages During Winter Storms

Minnesota winters can be harsh, and for homeowners, protecting every part of your property, including guest houses, finished garages and other detached structures, is essential. At Dean Olson Insurance Agency, we understand the unique risks that winter storms pose to these valuable features and can help you safeguard your property with practical tips and tailored high-value home insurance coverage.

Why Detached Structures Need Special Attention

Detached structures such as guest houses, pool houses and luxury garages often have different construction standards and may not be as well-insulated or otherwise fortified against the elements as your main home. This can make them more vulnerable to winter weather threats like heavy snow, ice accumulation and freezing temperatures. As such, extensive damage and subsequent repair costs could be imminent for unprepared owners.

Key Steps for Winter Storm Protection

To help fortify detached structures on your lot during Minnesota’s winter storms, consider these proactive strategies:

• Inspect and maintain roofs. Clear snow and ice regularly to prevent roof collapse or water leaks and reinforce roofing if needed.
• Seal windows and doors. Make sure all openings are properly sealed to keep out drafts and moisture.
• Insulate pipes. Add insulation to exposed plumbing and turn off outside water to prevent freezing and bursting.
• Install backup power. Consider generators or battery backups for structures with essential systems or climate control.
• Monitor heating systems. Regularly service heating units and keep thermostats at a safe temperature, even in unoccupied spaces.
• Trim surrounding trees. Remove overhanging branches that could break under snow or due to heavy winds and damage structures’ roofs or walls.

How the Right Insurance Can Help

Even with the best precautions, winter weather can still inflict significant damage. Our team can offer customized homeowners insurance policies crafted for properties with guest houses, luxury garages and other exterior assets. Specifically, enhanced detached structures coverage can help cover repair or rebuilding costs if winter storms cause damage.

Get the Right Coverage

The knowledgeable and experienced team at Dean Olson Insurance Agency is well-versed in the winters of New Brighton, MN and throughout the state. We’re ready to help you navigate winter risks and secure the right coverage for every part of your property. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.