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10 Tips for Halloween Home Safety

halloween safety picHalloween can be a holiday full of festivities, fun and costumes if you follow a few tips to ensure safety and protect your home from liability. Don’t allow the risk of a homeowners insurance claim to spoil the fun.

Whether you will be hosting a party or welcoming trick-or-treaters, opening your property to the public can leave you vulnerable to insurance claims and lawsuits.

 

The following 10 Tips will assure Halloween home safety...

  • Create a Clear Path – Keep the area around your home clear of obstructions so that visitors don’t stumble and injure themselves.  Especially at Halloween, clear away lawn ornaments, gardening equipment, toys, etc. to help avoid a liability.
  • Confine Your Pets – For the safety of your pets and your guests, keep dogs and cats away from the front porch or areas where they might jump on or even bite unfamiliar visitors.
  • Keep the Lights On – Be sure that trick-or-treaters and other visitors are able to see clearly after dark to avoid falls and other injuries on your property.  You will not only help avoid a liability claim, but you’ll deter burglars who are always less inclined to approach a well-lit home.
  • Avoid Open Flames – While candles and luminaries set the spooky mood on Halloween, they can easily be overturned and result in homeowners insurance claims for fire damage.  Consider light sticks and battery-powered lanterns instead.
  • Jack-o-Lantern Safety – Unattended Jack-o-Lanterns lit by candles can easily be tipped over by trick-or-treaters or pets. Avoid fire damage claims by using a battery-powered light in your pumpkin.
  • Supervise Pumpkin Carving – Enjoy the fun but assure home safety by having an adult or supervised older child carve the pumpkin this Halloween.  Better still, use a special pumpkin cutter for extra safety.
  • Think Before You Serve – You are responsible for the safety of guests who will visit your home this Halloween.  Offer only commercially-packaged treats to trick-or-treaters.  Likewise, be sure to serve non-alcoholic beverages to your older party guests and never serve alcohol to anyone who is under-age.  If you are setting the mood at your party by using dry ice in a punchbowl, be sure to keep the chips out since they can cause severe injury if ingested.
  • Assure Home Security – If you will be away from home during Halloween, don’t forget to set your security alarm system before you go. This is a prime time of year for mischief and burglaries.  So be sure to also activate motion-sensitive lights and alert your neighbors that you will be away.
  • Test Your Home Smoke Alarms – While you are testing your home security system, don’t forget to test your smoke alarms well in advance of the Halloween celebrations to minimize the chance of having a claim for fire damage.
  • Check Your Homeowners Insurance – Take a moment to speak with your insurance agent to be sure you will be fully protected for whatever plans you have for the Halloween Holiday.  The time to find out that your coverage is incomplete is NOT after you have a claim.

 

Monday, 25 October 2010 20:04

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