Add home insurance winterization to your to-do list. You will also want to check with your homeowner’s insurance policy to make sure that you have enough coverage. There are many things that can happen in the winter, and you will want to make sure that your coverage has you prepared for any eventuality. It is a good idea to make sure that your insurance has flood coverage before you have a burst pipe in your home. This coverage takes time to take effect, and it will not cover you after the event has occurred. If you don’t know what you have, contact your insurance agency to find out.