Snow and salting – How your insurance protects you

Responsibilities on your property

If you own a house, property, or land, it's your responsibility to ensure that it's safe for both you and others to navigate on your premises. 

According to the law, you are obligated to:

• Salt or grit the pavement during freezing weather.
• Clear the pavement of snow during snowy conditions.
• Remove large icicles and snow drifts from the roof to prevent harm to individuals or objects.

What happens if someone is injured on my property? 

You may be held accountable for injury claims and compensation if someone is injured on your property due to negligence. For instance, injuries could occur if someone slips on an icy sidewalk outside your property due to a lack of salting or an icicle from your roof injures someone because it wasn't removed.

Should you need to pay compensation for personal injury, our Home Contents Insurance with homeowner liability coverage provides coverage.

You can check on My Page to confirm if you have added homeowner liability coverage to your home contents insurance. If you do not, doing so might be a good idea. This way, you'll be adequately protected if an accident occurs and you forget to clear the snow from your property.

Accident insurance for your injuries

If you slip on your property and break your leg or get injured in another way, your Home Contents Insurance won't cover it.

Instead, for better protection, you would need accident insurance, which is automatically included and covers accidental injuries.

Building insurance covers snow damage to your home 

How are you covered if your home sustains damage from ice or snow? In such cases, it's your Building Insurance that covers the damage. Weather-related damage covers snow pressure, avalanches, and thaw.

To ensure coverage for situations like snow drifts onto your loft, consider adding "Extended Water Damage" as an optional add-on to your Home Contents Insurance.

On My Page, you can view your home contents insurance and add-ons. Here, you can manage your selections, add or remove them, and instantly see pricing details.