Issue link: http://digital.canadawide.com/i/1056266
22 BCA A .COM WINTER 2018 iStock MEMBERS SAVE BCAA Members save up to on BCAA Home Insurance and enjoy benefits like one-claim forgiveness. bcaa.com/ homeinsurance boxes from electronics and gifts broadcast what's inside the home. And attention online shoppers: parcels have become a magnet for burglars. "We had a real increase last year in thefts from porches," says Doucette. If you won't be home to receive a package, ship it to a work address or other secure location. Smart doorbells and security systems that allow homeowners to view their front entries remotely – or even talk to visitors via speakers – help, as do watchful neighbours who can report issues. In turn, if you see suspicious activity, call 911. If you go away for an extended period, as many do in winter, make your home look occupied, says Doucette. "Put lights on timers and have someone come by to clear the mailbox and do routine maintenance," he says. To protect your home during a winter absence, leave the heat on, setting the thermostat no lower than 12°C," adds Lori Taylor, Senior Insurance Advisor with BCAA Insurance in Surrey. If you'll be away for more than 14 consecutive days, your insurance will likely require someone to check on your home every other day. Read your policy. Alternatively, shut off the main water supply and drain all appliances and pipes. Melting snow and ice can cause flooding, so well before the spring thaw, test your basement's sump pump (or have one installed), pouring a bucket of water into the sump pit and ensuring the pump switches on, discharging outside with no issues. The melt-off As winter retreats, stay vigilant. Be sure your home's gutters, drains and downspouts are clear and draining freely. Also take a close look at the roof, foundation and seals for any damage, cracks or rot that may have developed, and make any needed repairs. Check attics and basements for signs of moisture or mold, as well as rodents or pests that might have nested over the winter. Now is also the time to re-confirm that your insurance is sufficient to cover your home and its contents. "Think about any pricey gifts that may have arrived over the holidays; you can add extra coverage for their value, provided you have a very recent and qualified appraisal," says Taylor. ■