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How to Prepare Your Summer Home for Winter

As the warm days fade and fall approaches, it’s time to think about protecting your coastal retreat during the off-season. Whether your vacation home is in Sea Bright, Spring Lake, or another beautiful Jersey Shore town, winterizing your property is essential to prevent costly damage and maintain peace of mind.

At LG Insurance, we help high-value homeowners safeguard their seasonal properties with tailored coverage and risk management.

👉 Ready to protect your investment? Get a quote today and make sure your vacation home is covered year-round.

Here’s a winter preparation checklist to help protect your property before the first frost hits.

✅ Winterization Checklist for Your Summer Home

  1. Shut Off the Water Supply
     Frozen pipes are one of the most common causes of winter damage. Turn off the main water supply, open all faucets, and drain the plumbing system. If your home uses a sprinkler or irrigation system, winterize those lines as well.
  2. Set Your Thermostat
     If you plan to keep the heat running, set the thermostat no lower than 55°F to prevent freezing. A smart thermostat allows you to monitor and adjust the temperature remotely.
  3. Inspect the Roof & Gutters
     Check for loose or missing shingles and clean out gutters and downspouts to prevent ice dams. Consider adding gutter guards for long-term maintenance.
  4. Secure Doors & Windows
     Ensure all windows and doors are sealed tightly. Install storm shutters if needed and double-check locks for security.
  5. Unplug Appliances & Shut Off Utilities
     Unplug non-essential appliances, turn off the gas (if not required for heating), and consider shutting off the electricity to reduce fire risk.
  6. Schedule a Security Check
     Install a monitored alarm system or surveillance cameras. Notify local law enforcement or neighbors if the home will be vacant for long periods.
  7. Prevent Pest Intrusions
     Seal any cracks or openings that rodents or insects could use to enter your home. Clear away outdoor debris and store food in airtight containers.
  8. Protect Outdoor Property
     Store patio furniture, grills, and watercraft securely. Drain and cover your pool or hot tub properly.
  9. Review Your Insurance Coverage
     Make sure your homeowners policy includes:
  • Vacant home protection

  • Flood insurance (especially along the Jersey Shore)

  • Personal property and structural coverage for seasonal risks

Why Insurance Matters More in the Off-Season

A vacant home faces increased risks — from burst pipes and power outages to vandalism or storm damage. With LG Insurance, you’ll receive personalized protection and proactive advice tailored to your coastal property.

🔒 Secure Your Summer Home Year-Round

Don’t let winter weather undo all the joy your summer home brings. Connect with our expert team at LG Insurance to review your coverage and ensure your seasonal property is protected through every season.

Contact us today at LG Insurance to learn more.

🛡️ LG Insurance – Protection That Matches Your Lifestyle
 Specializing in high-value homes, coastal properties, and second residences throughout Monmouth County and beyond.

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