Seasonal & event guides
Short, general guides tied to common times of year when insurance questions tend to come up — storm season, wildfire season, winter weather, and back-to-school. Every guide is available year-round; a relevant one may also appear as a dismissible note near the top of the site during its general season.
About this guide: this is a general seasonal awareness guide built from public concepts, not personalized advice. Exact timing, rules, and available coverage vary by state, insurer, and individual policy. This site provides general educational information only. Insurance is regulated by state and rates vary widely. Consult a licensed professional or insurer for advice specific to your situation. Data is based on publicly available averages and may not reflect current individual rates.
Choose a guide
Hurricane & Storm Season
June–November. Wind vs. flood coverage, prep habits, and a claims tip.
Wildfire Season
May–October. What's typically covered, FAIR Plans, and prep habits.
Winter Weather
December–February. Frozen pipes, ice dams, sewer backup, and winter driving.
Back-to-School
August–September. Adding a new driver and renters coverage for students.
Why a banner sometimes appears
A small, dismissible note may appear near the top of any page when today's date falls within a guide's general season (for example, a hurricane-season note from June through November). It's a simple date check that runs in your browser — it doesn't use your location, and dismissing it only hides it for that browser session. You can always reach every guide from this page.