Winter isn’t just about the first snow or the chill in the air. From recent years through 2025, we’ve seen – and continue to expect – shifts in weather patterns, supply-chain issues, and cost increases in heating, repairs, and claims — which can all affect your insurance needs.
With conditions like heavier snowfalls, colder sustained freezes, and even more variable storm patterns, being ready for winter goes beyond ensuring you have a warm coat. It means checking your home, auto, and business protections so you’re not caught off guard.
Here’s how MBG comes in: we’re an independent agency that shops multiple carriers for you, so you aren’t locked into just one big brand. MBG Insurance We aim to simplify insurance, deliver value, and be your advocate when the unexpected hits.
What to prepare for winter — and how MBG can help
Here’s a practical checklist for the season ahead, and how we at MBG Insurance stand ready to assist:
1. Home & Property
- Check insulation, roofing, gutters, and pipes for signs of wear. Freezing temps = pipe bursts, ice dams, damage.
- Clear vegetation away from your home; falling branches from heavy snow or ice are common winter hazards.
- Confirm your homeowners (or rental) insurance covers winter-specific risks like collapse under snow weight or freeze damage.
- At MBG: We’ll review your policy with you, clearly show any gaps or duplications, and help you understand any seasonal add-ons you might need.
2. Auto & Vehicle
- Winter driving brings slick roads, lower visibility, and more risk. Make sure your auto insurance includes roadside assistance, comprehensive coverage (for non-collision risk) and rental-car coverage if you’re sidelined.
- If you have an older vehicle or live in harsher climates, consider increasing deductible options or securing a better rate.
- At MBG: We’ll go through your existing policy and compare options across carriers so you get the best coverage for your driving habits this winter.
3. Business & Commercial Exposure
- For businesses (whether small operation or larger), winter means delivery disruptions, heating failures, employee slip-and-fall risks, and supply chain delays.
- Review coverage for business interruption, equipment breakdown, and liability exposures that escalate in colder months.
- At MBG: Our commercial division has experience with industry-specific risks (arborist/tree care, lawn care/landscaping, pest control) and we help tailor risk-management for the season. MBG Insurance
4. Emergency Plans & Claims Readiness
- Create a winter “go-bag”, emergency contact list, and be ready to file claims fast. Documentation (photos, receipts, journal of damage) helps.
- Understand your insurance carrier’s winter policy deadlines and what triggers coverage.
- At MBG: We’re your advocate when disaster strikes. We’ll walk you through the “claims” process so you know what to expect — because insurance is only as good as how well it works when you need it. MBG Insurance
Why choose MBG now?
- We’re ranked #1 independent insurance agency in Missouri for a reason: we put your needs first. MBG Insurance
- In a changing climate and economy, you need more than “standard” coverage. You need someone who watches options, carriers, and exposure.
- Our process is fast, clear and designed for value: start online, we shop, you pick. MBG Insurance
- With winter around the corner, the earlier you act the better your position. Waiting until the first storm often reduces your leverage.
Let’s wrap it up
So yes — fall is almost through, and yes — winter is coming. But don’t worry. With MBG Insurance, you’re not going into the cold unprepared. Whether it’s your home, your car, your business or just your general peace of mind — we help you “Come prepared in Winter with MBG Insurance.”
Take a few moments today: review your current coverage, contact us for a policy check-up, and walk into the winter season confidently. The snow, the ice, the storms — they’ll come. Make sure you’re ready.
Want to get started? Reach out and let’s chat about your winter-ready insurance strategy.