Wash the decks, stain the decks, clean the gutters, repair the road, fix the septic, repair the roof, trim the trees, rake the leaves, put down the mulch, deal with the critters, fix the appliances, heat during winter, worry about frozen pipes, pay the taxes, pay the insurance, pay the gas, pay the electric.

HELOCs can be frozen by banks.  

I’ve looked in to the same thing on Lake Mtka in MN but believe or not the homes can be just as expensive and it’s a frozen wasteland 6 months out of the year.

In which the line is frozen for lack of a better word to ensure the loan will be paid off before the maturation date.

Upstate NY has frozen soil so the season for concrete is over.

@Scott Mac If a claim does not exceed the limits of the Umbrella, you will not pay anything out of pocket.In all of the lawsuits we have seen come through, I have never heard of someone's bank accounts being frozen.  

Which means when the credit market tightens, it won't be frozen or converted to an amortized loan. 

These funds include things like utilities, materials for plaster repair, painting, replacing broken windows, adding gutters, & ridge vent, attic insulation, replacing rotten stair treads, reworking the crawl space to address frozen water lines etc.  

But even then you are screwed, because by the time they have someone come out, all your pipes are frozen..

If just Domestic, they can be frozen or seized since it still is under the control and jurisdiction of the US Court and judge.