Know the location of your water shut-off switch and regularly test it. In case the worst happens and a pipe breaks, you won't want to wait for someone to arrive at your place to find it for you. In most single-family homes, the shut-off valve is in the basement or crawlspace on a wall facing the street.

Turn off and drain automatic and manual sprinkler systems before first freeze. You'll thank yourself in the spring. The freezing and thawing cycle can create cracks and weak spots in the sprinkler system, triggering silent underground leaks or mini-geysers.

Turn off outdoor faucets and be sure to disconnect hoses. Make sure the faucet and outside piping is fully drained. A valve inside many houses will shut off the water's flow. Disconnect the hose to assure that freeze-proof faucets will drain.

Winterize unheated or vacant buildings. Significant property damage and water loss can occur before burst pipes are discovered. Most susceptible are fire protection systems.

Insulate water pipes that may be vulnerable to the cold or have caused problems before. Pipes close to exterior walls or in unheated basements can be wrapped with pieces of insulation. Don't overlook pipes near windows, which can quickly freeze. For particularly difficult pipes, consult a professional on how to select and apply heat tape. Improper use can cause fires.