Sweet, that makes sense. Thanks!

Definitely depends on the specifics of the individual policy, many policies (that I've had) don't list winter tires as a requirement for wintertime, but sometimes you can get a discount on your premium for having winter tires if you live in a snowy area, which then would have a tire requirement in the policy.

But if you had an insurance deductible of $1,000 that $1,000 could well be enough to buy a set of winter tires and rims.

And your insurance would cost more to cover. Insurance isn't free.