How to Keep Pets Warm in Winter

A dog wearing a cozy sweater resting indoors during winter to stay warm and protected from cold temperatures.

Robert Klinger, LUTCF, CPIA

Posted on: February 18, 2026

Winter weather can be tough on everyone — including your pets. Freezing temperatures, snow, and ice can put dogs and cats at risk for hypothermia, frostbite, and other cold-related health issues. As a pet owner, taking a few extra precautions during the colder months can keep your furry family members safe, comfortable, and healthy.

It’s also worth noting that winter hazards don’t just affect pets, as they can create risks inside your home as well. From space heaters to frozen pipes, seasonal safety matters for both your household and your insurance protection.

Here’s how to keep your pets warm this winter while reducing potential risks around your home.

1. Limit Time Outdoors

Even pets with thick fur can become too cold when temperatures drop. Shorten walks during extreme cold and never leave pets outside for extended periods. Watch for signs of shivering, lifting paws off the ground, or slowing down — these can signal they’re too cold.

2. Provide Warm Bedding Indoors

Make sure your pets have a cozy, draft-free place to sleep. Elevate bedding off cold floors and avoid areas near doors or windows where cold air can seep in. Heated pet beds can be helpful, but always follow the manufacturer’s safety guidelines to prevent fire hazards.

3. Use Pet Sweaters or Jackets

Small dogs, short-haired breeds, and senior pets often benefit from wearing a sweater or jacket during walks. This added layer helps them retain body heat and stay comfortable outdoors.

4. Protect Paws from Ice and Salt

Ice, snow, and road salt can irritate or injure your pet’s paws. Wipe their paws after walks and consider using pet booties. Salt and de-icing chemicals can also be toxic if licked off their feet.

5. Keep Pets Away from Space Heaters and Fireplaces

Pets love warmth, but getting too close to heaters, fireplaces, or radiators can lead to burns or even house fires if equipment is knocked over. Always use space heaters with automatic shut-off features and keep them out of reach.

6. Never Leave Pets in a Cold Vehicle

Cars act like refrigerators in winter. Temperatures can drop quickly inside a parked vehicle, putting pets at serious risk.

7. Watch for Frozen Water Bowls and Hydration Needs

If your pet spends any time outdoors, ensure their water doesn’t freeze. Hydration is just as important in winter as in summer.

8. Be Mindful of Household Winter Hazards

Winter often means using additional heating sources, candles, and electric blankets. These can create fire risks if pets chew cords, knock items over, or curl up too close for comfort.

Why This Matters for Your Home

Many winter pet-related accidents can lead to insurance claims, such as tipped space heaters or chewed cords. Preventing these issues helps keep your home safe and avoids costly damage during an already challenging season.

Stay Safe This Winter

Taking steps to protect your pets from the cold also helps protect your home. If you have questions about how winter risks can impact your homeowner’s insurance coverage, we’re here to help.

Contact Klinger Insurance Group at 301-428-4935 to review your policy and make sure you, your home, and your pets are protected all season long.

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