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House on FireIndividuals use their homes to surround themselves with the things they love. These things can range from simple possessions to family members, but the common denominator is that our home holds these treasures. For those who are very lucky, they’ll never experience damage or loss to their home’s possessions, but unfortunately, the months of autumn present a few particular dangers that make having homeowner’s insurance an absolute necessity.


Fires are one of the most unfortunate occurrences that can happen to a home. Many homeowners lose absolutely everything, including high-priced belongings and sentimental items, in just a few short minutes thanks to these disasters. There’s no doubt that fires can happen any time of the year, but autumn presents a particular danger.

The first three months of the year are three of the four most dangerous for homes when it comes to the potential for fires. Unfortunately, the last month of fall rounds out this list. Sadly, it turns out that during this month, smoking in the home causes just as many fires as malfunctioning or turned-over heating devices.

Dangers to Roofs

Fall is aptly named due to the falling leaves that it brings around. These leaves look absolutely amazing when they display a variety of colors on all types of trees, but it’s when these leaves fall off that problems can occur. A falling leaf often finds its way to a home’s roof, and while this lone piece of fallen flora doesn’t present much of a danger, problems start to arise when autumn brings down multitudes of leaves.

The buildup of leaves, pine needles and sticks on a roof basically creates a mulch pile. Sadly, if these materials aren’t removed, they can keep a roof damp and cause damage to the shingles. In fact, the shingles could even deteriorate to the point that the entire structure of the roof could start to rot.


Storms are a constant threat throughout the year, and this holds true regardless of what state a person resides in. When it comes to intense storms, however, the fall months can be especially hazardous. In fact, the beginning of fall lands right in the middle of the Atlantic hurricane season. Unfortunately, there are no safe places during this season. Every state from Maine down to Florida and even many states further west have been hit.

It’s also important to note that it’s not solely the East Coast that faces dangers during the fall. In the first month of fall in 2012, for instance, Alaska got slammed by a series of storms that ended with many locales being declared disaster areas. Additionally, during the first few days of fall in 2011, at least six tornadoes touched down between Arkansas, Kentucky, Indiana and Mississippi. Obviously, autumn storms spell bad news for homes.

Unfortunately, autumn presents a host of dangers to the average home. From natural disasters to simple man-made mistakes, the types of calamities that a home sees during the fall can become potential catastrophes. This is why homeowners should take every measure to prevent the aforementioned mishaps and also ensure that they have homeowner’s insurance to protect the things they love.

Don’t let your home go unprotected through the autumn months. Call us today at 815-468-8763 for a free Manteno homeowners insurance quote.

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