With Halloween only days away and everyone gearing up for the big night we want to remind everyone on how to stay safe on this candy overload holiday. As Insurance Architects we are always looking for ways to keep our clients safe even during the festive holidays, so why not offer a quick list of items many homeowners overlook!
Here are our 7 safe Halloween tips to keep your night scary but safe.
1. Traffic Surveillance
One of the easiest things a parent or guardian can do to ensure the safety of their little goblins is to watch the traffic. Many parents are opting for the cargo van of kids over the long walk through neighborhoods. Great idea if you live in a country type setting, but not such a great idea if you are driving through hoards of excited little kids. Halloween safety for kids starts at home. Remind trick-or-treaters to walk, not run, between houses and stick to well lit driveways and sidewalks.
2. Candle Carefulness
Lit candles or luminaries may add a spooky glow to your home, but they also pose a fire hazard, the National Fire Protection Association warns. Trick-or-treaters can easily knock over the lit candles lining your front walk, injuring themselves and potentially starting a fire. Instead of real candles, opt for LED tea lights or wind a string of orange lights around your front porch. Also be wary of extension cords throughout the yard. Kids can trip and hurt themselves if they are not properly secured. Injuries on your property can be an insurance nightmare.
3. Plow the Road
Well not literally unless there is snow on the road already. Make sure the path from your driveway or the sidewalk to the front door is free from obstructions or hazards. Repair loose porch railings and uneven walkway stones that may pose a safety threat to young trick-or-treaters. If you add spooky yard decorations like tombstones, fake cobwebs or mummies, be sure that these decorations do not obstruct any pathways.
4. Yard Hazards
Fueled by candy and adrenaline, young trick-or-treaters often race from house to house, cutting through yards and alleyways. Anticipate potential hazards: Rake leaves, remove dead branches, trim hedges and fill in large holes. Store bikes, potted plants, gardening tools and hoses out of the yard and a safe distance from any walkways.
5. Confine Fido
The constant excitement of young children ringing the doorbell is simply too much for many pets, the ASPCA warns, and scared dogs or cats can dart out the front door. Avoid a Halloween pet mishap by keeping Fluffy and Fido in a separate room, away from the excitement. This is probably one of the easiest safety tips to follow, for your pet and those undead candy seekers.
6. Check Homeowners Coverage
If you have an Insurance Architect or agent you can call to double check your homeowners coverage, please, we repeat please make that 5-minute call. Opening up your home to visitors, even if they are just trick-or-treaters on the front porch, can expose you to potential insurance claims and lawsuits. Is this overkill? Check with your insurance agent to make sure your house is adequately covered?
7. Fire Prevention
Hosting a Halloween party for adults? Check your smoke alarms to help make sure they’re in good working order. Also, keep decorations like crepe paper away from carved pumpkins and open flames. No one wants to see a grown Frankenstein putting his hair out with the spiked punch.
Halloween is a great time of year to dress up, be silly and enjoy a night out. Keep the night safe with these tips and the help of your Insurance Architect! Not sure if your current home owners insurance will keep you safe from the tripping goblins, fiery wigs and sugar high kids.