clock October 25, 2018 comments No Comments flowchart Family & Home CareHomeowners InsuranceOur Blog tag Holidays

trick or treaters following our halloween safety tipsHalloween is just around the corner, so you’ll want to do what you can to prevent mishaps. If someone hurts themselves on your property, you may be held liable.

Here are 7 Halloween safety tips to keep the ghosts and goblins safe this year.

Light Your Walkway

A well-lit walkway and porch ensure trick-or-treaters make it to and from your home unscathed. LED lights are affordable and provide plenty of light, plus they’re easier on your pocketbook since they consume little energy.

Tuck Away Cords

Many households go all out for Halloween and set out elaborate decorations. If that sounds like you, make sure to pay close attention to wayward electrical cords.

Tuck electrical cords away to prevent tripping and anchor them with duct tape. Don’t use nails or staples, as these can pierce the insulation which creates a fire hazard. Don’t overload plugins with too many extension cords, and consider a ground-fault interrupter for outdoor electrical needs.

Mark Hazards

Children often cut across the lawn while doing their rounds on Halloween. If your yard has any hidden hazards such as protruding sprinklers, tree roots, or boulders, block off the area with “Do Not Cross” tape. It might look like a crime scene, but it’s appropriate for Halloween and it’ll help to prevent accidents.

Choose Safe Decorations

Avoid lit candles and choose battery-operated candles instead. Don’t drape fabric over incandescent bulbs, because as they heat up, they could cause a fire. Avoid items such as dry hay, cornstalks, or crepe paper since they’re highly flammable.

Check your string lights, strobes, black lights, and fog machines are certified by organizations such as CSA, UL, ETL, or CSA. This assures the product is thoroughly tested for safety and performance.

Don’t forget to test your smoke alarms and change the batteries, if necessary.

Don’t Let Your Pets Run Wild

With so many people coming and going, even the best pet can become excited. Additionally, they’ll sense new sights and smells that can cause them to react abnormally.

Unfortunately, dog bites are a common homeowner insurance claim and they’re often very costly. Why not keep you pets out of harm’s way and away from visitors so everyone enjoys a safe evening?

Distribute Safe Treats

Always choose sealed Halloween treats so parents know they’re safe. While things like candied apples, caramel corn, and homemade taffy might be tasty, parents probably won’t allow their children to eat them due to the risks.

If the idea of handing out unhealthy goodies doesn’t agree you’re you, consider juice boxes, fruit leather, or mini bags of popcorn or pretzels.

Check Your Insurance Coverage

Whether you’re just decorating your home with a few scary Halloween decorations or hosting a haunted house, you’ll want to talk to your insurance agent. Your Rhode Island homeowner’s insurance policy offers some liability coverage, but it may not provide ample protection, especially if you charge admission for your Halloween party.

The cost of additional coverage is minimal compared to a lawsuit, medical bills, and a pricey settlement. Why take the chance? An insurance review takes just a few minutes and ensures you’re protected so you can focus on fun on Halloween night.
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