Whether you’re raking leaves in Annapolis, preparing your property in Frederick, or managing a local business anywhere in Central Maryland, autumn is the perfect time to review your insurance coverage and make sure you’re protected from seasonal surprises.

At Lindquist Insurance, we believe fall should be a season of peace—not panic. Here are our top tips from your local insurance experts to help you “harvest” peace of mind this season.

1. Prepare Your Home for Fall Weather

Maryland’s fall weather can be unpredictable. Sudden temperature drops, heavy rain, and early snow can cause problems if your home isn’t ready. A few small maintenance tasks can help prevent big insurance claims later. ***

Start with these essentials:

• Clean your gutters and downspouts. Clogged gutters can lead to roof leaks and water damage inside your home.
• Inspect your roof. Replace damaged shingles and check flashing to avoid leaks during fall storms.
• Trim overhanging branches. Falling limbs can damage roofs, fences, or power lines during wind or ice events.
• Check outdoor lighting. Shorter days mean darker evenings keep walkways and driveways well-lit to prevent slips and falls.

2. Review Your Homeowners Insurance Policy

As property values and building costs rise, many Maryland homeowners don’t realize their coverage may be outdated. If your policy hasn’t been reviewed in several years, you might be underinsured—especially if you’ve made home improvements.

Ask yourself:

• Could I rebuild my home at today’s construction costs?
• Do I have enough coverage for personal belongings?
• Does my policy include flood or water backup protection?

3. Get Your Vehicle Ready for Fall Roads

Cooler weather can be tough on cars. Early morning frost, slick leaves, and fog can make driving more dangerous. Before Maryland’s first cold snap, take a few minutes to make sure your vehicle is ready.

Here’s what your fall car checklist should include:

• Check tire tread and pressure for wet or icy conditions
• Replace worn windshield wipers.
• Top off fluids and test your battery.
• Pack an emergency kit with jumper cables, a flashlight, and a blanket.

As your local Maryland insurance agents, Lindquist Insurance can help you balance protection and affordability so you’re ready for anything the season brings.

4. Protect Your Small Business Before the Holidays

For many small businesses in Frederick and Annapolis, fall is the start of the busiest season of the year. Whether you own a retail shop, restaurant, or professional service, make sure your business insurance is up to date before the holiday rush.

Key areas to review include:

• General liability coverage protects against customer injuries or property damage
• Property insurance covers your building, inventory, and equipment.
• Cyber liability is critical for businesses handling online transactions or customer data
• Workers’ compensation is required for most Maryland employers

5. Reduce Fire Hazards at Home and Work

Autumn means cozy nights, candles, and warm fireplaces—but also an increased risk of fire. In fact, the National Fire Protection Association reports that home heating fires are most common from October through February.

Safety tips for Maryland homeowners:

• Have your chimney inspected and cleaned before lighting the first fire.
• Keep space heaters at least three feet away from anything flammable.
• Test smoke and carbon monoxide detectors monthly.
• Store firewood away from the house to prevent pests and moisture damage.

6. Don’t Forget About Life and Health Coverage

Fall is also open enrollment season for many employers and individuals. It’s a great time to reassess your life insurance and health insurance coverage to make sure your family’s future is secure.

If you’ve experienced major life changes like marriage, a new home, or welcoming a child, your policy should reflect your current needs.

At Lindquist Insurance, we offer comprehensive life, health, and disability insurance options to protect your loved ones and your income. Peace of mind isn’t just about your home or business; it’s about safeguarding what matters most.

Don’t wait until winter weather or an unexpected event catches you off guard! Contact Lindquist Insurance today for a free insurance review. Our local agents proudly serve Annapolis, Frederick, and communities across Central Maryland, offering personalized coverage tailored to your needs. Visit www.lindquistinsurance.com or call us today to schedule your fall insurance check-up. Let’s make sure your protection is as strong and steady as the season ahead!

*** Visit the Maryland Government website, Maryland NOAA Weather Page.