Snowbirds - Before You Fly South For the Winter.

They're about to head off for their first warm winter and are understandably excited. After she was set up with what they would need for medical coverage, we questioned if she was mindful of constraints in their householders policy that apply to anyone that briefly relocates in the winter.

We explained that when you are away from home for more than four consecutive days, your house owners policy will only cover damage due to freezing if certain conditions are met.

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