The frigid temperatures of winter can make it necessary to ask more of your home’s furnace and heating systems. However, these increased demands can quickly put a strain on your wallet through rising heating costs.

Fortunately, you can maintain a comfortable temperature in your home throughout the winter while limiting expenses by implementing the following steps:

  1. Consider circulation. Optimize the efficiency of your home’s heating and ventilation systems, including replacing furnace filters and shutting ducts in unoccupied rooms.
  2. Seal the exterior. Caulk and replace weather-stripping around doors and windows and repair any cracks or holes in your home’s roof and walls.
  3. Install a smart thermostat. These devices can adjust the temperature while you’re not home, allowing you to save on heating costs while you’re gone while ensuring things are comfortably warm when you return.
  4. Use natural light. Take advantage of sunlight by opening blinds and curtains during the day to allow it to transfer warmth inside. Cover windows at night to help keep warm air from escaping.
  5. Reverse ceiling fans. Although these fans are usually used to cool your home, you may be able to set them to rotate in the opposite direction, creating an updraft that can displace hot air gathered near the ceiling down into the rest of an area.
  6. Layer up. Wearing layers and using blankets can allow you to keep your home at a lower temperature.

Contact INSURICA for more Personal Lines resources.

This article is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2025 Zywave, Inc. All rights reserved.

About the Author

INSURICA
INSURICA

Share This Story

Stay Updated

Subscribe to the INSURICA blog and receive the latest news direct to your inbox.

Related Blogs

Trump Administration Reshapes Health Plan Oversight

November 5th, 2025|Blog, Employee Benefits, Trending|

The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.

Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts

November 4th, 2025|Blog, Employee Benefits, Trending|

As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.

Benefits Administration Update: MLR Rebates, Texas SB 1332, and Year-End Priorities

November 3rd, 2025|Blog, Employee Benefits, Trending|

As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.

Go to Top