Winter is a favorite season for many people across Western and Central New York. From skating and skiing to snowmobiling, the season provides many kinds of outdoor fun. Fresh snow often delivers a blanket of beauty – but when snow and ice accumulate, they can also be dangerous.

This is especially true when snow and ice pile up on a walkway or sidewalk outside your home. It can be slippery on ice and difficult to get proper footing in snow. This can lead to falls and injuries.

It’s bad enough if it happens to you. But it can be even worse if it happens to someone else. If someone falls and injures themselves on your property, you may be liable for the cost of their medical bills and other damages.

AAA Member Experience Senior Insurance Advisor David Kirst noted that liability extends beyond your sidewalk. “In the event of snow and ice you need to clear your sidewalk, your driveway, and a path to your door,” he said. “You are responsible for your guests’ safety.”

This responsibility applies to anyone who may be on your property — a family member, friend, neighbor, or even the delivery person who brings a package to your door.

Kirst said it’s important to have proper insurance coverage. AAA offers property insurance for homeowners, condominium owners, renters, and landlords. A home insurance policy can cover your liability for a slip and fall, but you may want additional coverage. AAA also recommends personal umbrella policies that could pay out $1 million and up.

“Combining a homeowner’s policy with a personal umbrella policy will give you peace of mind that you are covered in the event something unfortunate happens on your property,” Kirst said.

AAA has insurance experts who can explain the insurance products available to you and the coverage amounts that best fit your needs. You can save on your insurance premiums when you bundle auto and homeowner policies with the same provider.

"With multiple carriers and coverage options, a AAA insurance policy can give you the protection you need at the competitive rate you want,” Kirst said.

Get a free quote today or learn more by calling an experienced AAA Insurance Advisor at (888) 671-7044.

AAA Insurance