Preparing for Freezing Weather: Protecting What Matters Most with Mutual Aid Agency

Winter is on the horizon, and with it comes freezing weather that can pose challenges to your property, livelihood, and peace of mind. While we love this time of year, we know that winter can bring its share of surprises. At Mutual Aid Agency, we’ve been helping churches, homes, renters, farms, and drivers stay protected for over 140 years. More than just an insurance provider—we’re a partner in your safety, your community, and your mission.

Let’s explore how you can prepare for freezing weather while ensuring that your property, family, and mission remain secure.

Church Buildings

We know that churches are critical to their communities, especially during the holiday season. Protecting these spaces from freezing weather is vital.

• Prevent Frozen Pipes: Insulate all exposed pipes, especially in underused areas like basements or attics. Leave a faucet dripping during extreme cold to keep water moving.

• Check Heating Systems: Schedule an inspection to ensure your furnace and other heating systems are functioning efficiently.

• Keep Walkways Safe: Regularly salt and shovel entryways to prevent slips and falls. A liability policy can help ensure you’re covered if an accident occurs on your property.

• Roof Readiness: Remove snow and ice buildup from roofs and gutters to prevent leaks or collapses.

Having tailored insurance coverage for your church property ensures you’re prepared for unexpected damages or incidents. Plus, with the Share Fund, your ministry can access matching funds to extend help to congregants in need.

Homes: Preparing for the Unexpected

Winter can bring a host of challenges for homeowners, but a little preparation can go a long way.

• Seal and Insulate: Check for drafts around windows, doors, and vents, and seal them to prevent heat loss. Proper insulation can lower energy costs and keep your home warm.

• Protect Your Plumbing: Wrap exposed pipes with insulation and open cabinet doors to allow warm air to circulate around plumbing. Know how to shut off your water in case of a burst pipe.

• Emergency Kits: Keep flashlights, batteries, blankets, and other essentials on hand in case of power outages.

Home insurance from Mutual Aid Agency provides peace of mind, covering damages caused by freezing weather, such as burst pipes or roof leaks.

Renters: Staying Safe and Secure

Renters often assume they’re covered by their landlord’s policy, but personal belongings and liability require separate coverage.

• Renters Insurance Matters: Ensure your policy is up to date to cover damages to personal items caused by freezing weather or accidents.

• Heating Safety: Avoid unsafe heating practices like using stoves to warm your space. Stick to certified heaters and follow safety guidelines.

• Communicate Issues Early: Notify your landlord promptly if you notice heating problems, leaks, or drafty windows.

Renters insurance offers affordable protection, making it easier to enjoy the season without worry.

Cars: Navigating Winter Roads with Confidence

Driving during winter comes with its own risks. Preparing your vehicle for freezing weather is essential.

• Winterize Your Car: Check antifreeze levels, inspect your tires for tread wear, and consider snow tires for added grip. Ensure your wipers are in good condition and your defrosters are working.

• Emergency Preparedness: Keep a winter kit in your car, including blankets, snacks, a flashlight, jumper cables, and a phone charger.

• Insurance Check: Review your auto policy to ensure you’re covered for winter-related incidents like accidents or roadside assistance needs.

At Mutual Aid Agency, our auto insurance policies help you stay protected wherever the road takes you.

Farms: Protecting Your Livelihood

Farmers face some of the toughest challenges during winter, with freezing weather affecting livestock, equipment, and crops.

• Livestock Safety: Provide shelter for animals and ensure water supplies are kept from freezing. Stock up on feed in case of transport delays.

• Equipment Maintenance: Drain fluids from unused equipment and store machinery in covered areas. Schedule maintenance on critical machinery to avoid breakdowns.

• Crop Storage: Monitor storage facilities for consistent temperatures to prevent spoilage or damage to stored crops.

Farm insurance from Mutual Aid Agency offers customized coverage to protect your livelihood and the tools you depend on.

Let Us Help You Stay Prepared

Freezing weather can be unpredictable, but with preparation and the right coverage, you can navigate the season with confidence. At Mutual Aid Agency, we’re here to provide the peace of mind you deserve, from protecting your home or church to supporting your farm or vehicle.

For over 140 years, Mutual Aid Agency has been a trusted partner for churches, ministries, and families. Our mission is more than just offering insurance—it’s about building a community of care. Through the Brethren Mutual Aid Share Fund, we help ministries support their congregations in times of need. This fund matches up to $500 annually for congregations insured with us, amplifying their outreach efforts and ensuring that no one faces a crisis alone.

When you choose Mutual Aid Agency, you’re not only protecting your property—you’re also supporting a network of mutual aid that makes a difference in the lives of others. Contact us today to review your policies or learn more about how we can help you prepare for winter.

Together, we’ll make sure you’re covered for whatever the season brings.