We all know to dress warmly before venturing out on a winter day and to keep windows and doors closed to be sure it's warm inside; but one topic worthy of a reminder because it is not often top of mind as we go through each day is the care our pets need.  Our pets depend on us to keep them safe in the cold weather. 

Bring your pets in from the cold

• Some pets are more tolerant of extremely cold temperatures than others, but that does not mean that they are not just as vulnerable to the harmful effects.  It’s up to you as the pet owner to protect them.  Many pets — especially dogs — aren’t aware of just how cold the weather can be. You’ll have to be sensitive to their limits, and you may have to wrap your pet in a coat or boots to go outside. The ASPCA offers the following advice to help keep your pets safe as temperatures plummet.
• Just as leaving your pet in your car when it’s hot can be deadly, so can leaving them in your car when it’s cold.  The car traps the cold air and acts like a refrigerator, causing the animal to freeze.
• Keep your pets safely indoors during extremely cold weather that can cause them to be disoriented or actually freeze.  How to know when it’s too cold for your pet to be outside:  If it’s too cold for you, it’s too cold for your pet.
• Protect your pet from drafts and give them a warm place to sleep that is off the floor such as a dog or cat bed.  Adding a warm blanket or pillow will help as well. 
• Because your pets burn extra energy to stay warm when it’s cold, they’ll require extra food for the calories they’ll need. Likewise, extra water for extra hydration will help prevent dry skin.

Homeowners Insurance Tip

If your pet will be left inside your home alone when it's too cold to be outside, then be sure to "pet-proof" your home ahead of time.  In particular, be sure that your pet will not be able to turn on the tap in the sink which can lead to flooding or damage an electrical cord which might put your home at risk for fire while you're away.  You’ll want to be sure that your homeowners insurance policy offers you the best coverage for your circumstances.  Spend some time inspecting your home to be sure that it is pet ready, well before you have the need to ever file a homeowners insurance claim.  Speak with your insurance agent for advice and to discuss your coverage options.

Feel free to contact any of our very capable and experienced agents at Ewing, Hines & Associates in Kensington, MD to discuss any  home insurance-related questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to meet your own needs.