I’ve found this especially true in water pipe freezing states. 

You either empty the line and blow the water out with an air compressor, or you keep the unit heated so the water never freezes. 

@Amy Hu the only drawback with mini splits is their ability to heat inside when it’s below freezing outside http://www.daikinac.com/content/assets/DOC/SubmittalDataSheets/072017/MultiZone/2MXL18QMVJU-Submittal-Sheet.pdfIf you go with daikin, I would recommend their “enhanced capacity” line.

The banks could freeze your credit available and not allow you to use the credit.  

BTW, if the math gets too complicated, my brain freezes, so please let this be something simple to comprehend and figure.Thanks!

Put your freez in garage.

Sometimes I have had guests lower the setting all the way down to 64 degrees complaining that the unit is too hot and in reaction to this the air conditioner will freeze up.

And its not really the snow that causes problems its the water from the snow melting and ice from that snow melt then re-freezing that is the biggest issue. 

We have a management agreement set up with the utility so that if they don’t pay the gas or electric the utility does not get shut off but reverts into our name as to save from pipe freezes.

Use heat tape or space heaters to make sure it doesn't freeze again.