🍂 September Newsletter — Protecting What Matters Most This Fall
September 1, 2025
As autumn settles in, our routines shift — and so do our needs for protection. This month, we’re sharing fall insurance tips to help safeguard what matters most. From keeping your policies up to date with home improvements, to preparing for seasonal risks, to understanding why flood insurance is essential, now is the perfect time to review your coverage. On a personal note, we’re also reflecting on the beauty of fall and the joy of being outdoors with family. Together, these insights remind us that while life moves forward, it’s always wise to stay prepared and protected with the right insurance.
➿ Keep Us in the Loop: Home & Auto Insurance Updates
This time of year, many homeowners tackle projects like replacing a roof, servicing a furnace, or removing problem trees before winter weather arrives. However, did you know these updates can also impact your insurance?
Keeping your agent informed about updates is just as important for your home as it is for your vehicles. For example:
- A new roof or siding
- Heating system upgrades
- Tree removal or landscaping work
- Major renovations or additions
- Vehicle purchases or sales — advance notice ensures coverage is ready before you drive off the lot or transfer ownership
As a result, your policy reflects your home and auto’s true value and risk profile. These updates may even qualify you for discounts or better coverage terms. Most importantly, when it comes to vehicles, a quick call before you buy or sell helps us line up the right protection without any gaps.
👉 Tip: Email us at service@engelsins.com before making updates or purchasing a vehicle so your coverage is always ready when you need it.
🍁 Seasonal Insurance Advice: Preparing for Fall Risks
Fall is also a good reminder that both personal and commercial insurance needs shift with the seasons. By taking preventive steps now, you can avoid larger problems later.
For Homeowners & Families
- Clear gutters to prevent water damage and ice dams.
- Review liability coverage if you host seasonal gatherings or have a backyard fire pit.
For Business Owners
- Slip-and-fall prevention: Stock up on salt/ice melt, ensure proper lighting in walkways, and remind staff of snow/leaf removal duties.
- Fire safety: Fall means more use of heaters—check fire extinguishers, smoke detectors, and evacuation plans.
In other words, small steps today can help prevent costly surprises tomorrow.
🌊 Flood Insurance: Why It’s Essential for Homeowners
Many homeowners are surprised to learn that standard homeowners’ insurance does not cover flood damage. Yet, floods can happen anywhere — not just in high-risk zones. A heavy rainstorm, overflowing river, or even snowmelt in spring can lead to costly losses.
Flood insurance:
- Is purchased separately through the National Flood Insurance Program (NFIP) or private carriers
- Helps protect both your home’s structure and personal belongings
- Often comes with a 30-day waiting period before coverage takes effect — so it’s best not to wait until a storm is in the forecast
If you’re unsure whether you have this coverage, let’s review your policy together. Flood insurance is one of the best ways to protect against an often-overlooked risk.
📖 Family Life: Embracing the Change of Seasons
October in the Engels household is about slowing down, soaking up the crisp fall air, and savoring moments outdoors. Whether it’s raking leaves, cheering at a game, or reading outside under the changing trees, this season reminds us of the joy in simple rhythms.
Just like autumn brings both beauty and preparation, the right insurance plan brings peace of mind — so you can fully enjoy the moments that matter most.
⚡ The Big Picture: Fall Insurance Tips for Peace of Mind
From keeping your policies current with home and auto updates to preparing for seasonal risks, fall is a perfect time to make sure you’re protected. At Engels Insurance, our mission is simple: protect what matters most — for your home, your business, and your future.
Thank you for trusting us to be part of your team. Here’s to an October filled with safety, warmth, and plenty of time outdoors!
Chris & Betsy Engels
Engels Insurance Inc.