Halloween is a fun time for kids and parents alike, but it can mean trouble for drivers and homeowners. Any number of things could happen to fill your Halloween with tricks instead of treats.
Consider the following scary holiday scenarios:
- Your home or car is the target of mischief.
- There is a fire in your home or on your property.
- A trick-or-treater or party-goer is injured on your property.
- You crash your car while trying to avoid trick-or-treaters.
- A party guest gets drunk and gets in an accident driving home.
- You hit a trick-or-treater with your car.
Handing out candy, hosting parties, and taking children trick-or-treating is a yearly tradition for many families, but it can quickly turn into a nightmare. In the five scenarios above, you could find yourself faced with vandalism, structure fires, negligence, and other property damage.
Now is a good time to call your agent to make sure your policies are adequate, especially if you intend of hosting a large party or are expecting hours of non-stop trick-or-treaters at your door.
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Here are some other tips to help keep things safe, courtesy of the Insurance Information Institute:
- Remove objects around the outside of your home that could cause children to trip or fall.
- Turn your outside lights on so children will know they can visit your home.
- Keep candles, jack-o-lanterns, matches, and lighters in a place that children cannot reach.
- Keep pets inside and away from trick-or-treaters and lit candles, especially if they are easily frightened.
- If using decorative lights, check them for broken or cracked sockets, frayed or bare wires, or loose connections. Discard damaged sets. Do not overload extension cords.
- Make sure pathways are clear of debris, leaves, garden equipment, and lawn decorations.
- Repair walkways, railings, and steps leading to your home.
- If a pumpkin gets smashed on your sidewalk, clean up all the slippery goo.
Regardless of the tricks that can come of this frightful holiday, there are still many treats that can be had. Enjoy this time with the children, have fun, and stay safe!
Have a Happy Halloween!