Select San Antonio Homeowners Insurance to Be Prepared For the Weather

San Antonio sure sees its share of bad weather in a year. It also sees its share of natural disasters. That's because this city is located smack dab in the middle of the humid Gulf Coast and bone-dry western Texas, where it is in a prime spot for rain storms, hail, hurricanes and flooding. In many areas of the United States, having homeowners insurance is a necessity. But in San Antonio, it can seem like more of a necessary evil, as getting a San Antonio homeowners insurance policy here often costs much more than it might in other parts of the country.

And not only that, but even though the risks for the above natural disasters are high in San Antonio, most basic policies don't cover them. Instead, a home owner has to purchase insurance like flood coverage separately. But the amount to purchase an extra premium for flooding may be negligible. And this amount can be well worth it if your home suffers significant flooding damage.

Finding the right insurance to protect your San Antonio home is much easier when you use a resource like ours to help you compare companies and get the answers you're looking for. The right insurance can mean the difference between having your needed expenses taken care of and spending possible thousands out of pocket.

Prepare For a Power Outage

Power outages are another unfortunate by-product of natural disasters like hurricanes. Lasting anywhere from a few hours to a few weeks, a power outage in warm weather can seem like a nightmare. If that's not bad enough, your insurance policy won't cover any food items which spoil in your refrigerator or freezer. But you can ensure that the food you have lasts as long as possible by following a few tips.

Limited Time for Consumption

Perishable food should be consumed within two hours. This amount of time is how long refrigerated food will stay at the safe temperature of 25 degrees Celsius and below. If food is above that temperature, you have only one hour to consume it before bacteria begin to grow.

Ensure Maximize Cooling Time

If you want to ensure the maximum time for food in your freezer and/or refrigerator, consider having some thick blankets on hand, and covering your appliances with them as soon as possible after the power goes out. This will help insulate them from warmer outside temperatures. Another good idea is to open the refrigerator or freezer as little as possible.

Know Your Neighborhood

Find out beforehand if there is a store nearby that is able to supply blocks of ice and dry ice. Place blocks of ice in your refrigerator, and dry ice in your freezer. 50lbs of dry ice can keep freezers as large as 18 cubic feet frozen for two days.  The melt from regular ice can be used as drinking water. Food items can also be placed in coolers of ice, and insulated with blankets as illustrated above.

If you don't have this option, then a neighborhood grilling may be in order; consider firing up the barbeque and inviting your neighbors over. Not only will you get to know them, but you will ensure that none of your food is wasted.

Check the Temperature

Temperature is the single most important thing where perishable food is concerned. Purchase thermometers so that the temperature inside your refrigerator and freezer can be monitored. Use meat thermometers to ensure the safe temperature of food that you are about to consume.

Plan Ahead

Having multiple frozen bottles inside your freezer and refrigerator can not only help these appliances run more efficiently when there is less food in them; they can also double as ice packs when the power goes out and temperature maintenance is crucial. As well, they can provide refreshing hydration in times of warm weather.

You may also want to consider having the following on hand in the event of a power outage:

  • Battery-powered flashlights, radios and fans
  • Supply of fuel to run small appliances like barbeques and chainsaws
  • Non-perishable food items and a can opener
  • An emergency cell phone and solar-powered charger

 

Let us help you find your best San Antonio homeowners insurance coverage to protect your home and financial stability.  We have done a bulk of the homework for you so that you can proceed with reviewing your options and selecting the best scenario for you and your family.

Categories: Homeowners InsuranceFinding DiscountsUseful TipsHome Owners Insurance by CityNews