Homeowners Insurance and Halloween Safety
Preparing for the ghosts and ghouls that will come your way this Halloween can take away your fears and leave extra room for delightful treats. Everybody wants to have a safe and happy holiday with adorable little ones dressed to thrill and chill but sometimes accidents happen. But with a little preparation, and the right protection, you can help prevent any mishaps, and avoid an insurance claim.
Clear your walkway. Slips and falls are very common at Halloween. Navigating an unfamiliar walkway is tricky enough. Now imagine a youngster with not-so-stable footing, trying to get around with a mask on. Yikes! Help them out by making sure your walkway, steps and front door area are well lit and clear of any debris. Liability insurance typically will cover slip and fall injuries, but you don’t want to be a contributing factor to these injuries. It pays to be proactive.
No flames. Electric candles provide a very homey flicker and no safety hazards. Protect yourself, your guests and your property from fire by eliminating the flame from your decorations and replacing it with a safer alternative. If you decide you need real candles, homeowners insurance will protect your property in the event of a fire and will help pay the bills for anyone injured in your home.
Secure your furry friend. While your pup may be the best behaved dog on the block, Halloween may still prove to be too exciting. Not only do animals feel some stress from constant visitors in costumes, but many kids fear animals and dog bites in particular. The safest course of action during Halloween is to confine your pet to another area of the home so they can relax and your visitors will feel welcome. If your dog does bite someone, you may have insurance coverage with your homeowners or renters insurance – connect with your insurance agent to make sure you’re covered.
Look out for tricks. While the threat of a trick is typically good natured, there are some vandals that roam about on Halloween. Keeping your home, garage and yard well-lit and locked may provide just enough deterrent to keep them away. But if that doesn’t work, you can look to your homeowners or your comprehensive car insurance for help with claims.
Once you’ve created a safe environment for fun, you can enjoy the spookiest day of the year. If you’d like to check your policies to add peace of mind, connect with your American Family Insurance agent — we’re always happy to help!