About this time last year, New York City and much of the East Coast was facing devastatingly cold temperatures, icy roads and massive snowstorms in normally snow-free cities. (I'm looking at you, Atlanta.)

In the end, more than $1.8 billion was paid out by insurers in settlements and claims last winter.

Though the probability of a “polar vortex” sweeping the Northeast again is highly unlikely this year, there are certain ways to insure yourself in the event of sub-zero temperatures.

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