Do you have an unfinished basement or crawlspace with uninsulated water pipes running through these spaces? Check them and ensure they are insulated. If not, try some of the foam wrap available in most home improvement stores. The foam simply clips around the pipe and protects the water in the pipe from freezing, leaving you to spend time in the great outdoors rather than waiting for a plumber and insurance assessor. Minimum cost for maximum risk prevention!
HOME SAFETY TIP: make sure there’s at least one fire extinguisher on every floor of your home, and remember that the one near the kitchen must be suitable for grease fires.
Also, plan escape routes from the upper stories of your home. Having a rope ladder may be a necessity.