Halloween May Bring Tricks, Not Treats, for Some Homeowners

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HometownQuotes offers tips to keep Halloween safe, spooky and insurance claim-free.

The time is nearing for a bewitching Halloween night of tricks and treats across America. Ghoulish ghosts, spine-tingling spooks and a plethora of cartoon characters will soon ding doorbells and knock on doors in hopes of handfuls of tasty treats. Follow these tips to steer clear of homeowners insurance claims and guarantee a safe, spooky night of fun for all the little monsters in your neighborhood:

Flames That Flash With Fright
Because a majority of Halloween's festivities occur at night, many people decorate with flickering lights to brighten the sidewalk path or place candles inside glowing pumpkins to illuminate the porch steps for trick-or-treaters. If certain precautions are not taken, however, these lights can become fires quickly:

  • Check all fire alarms and sprinkler systems.
  • Costume catastrophe. Be wary of dangling pieces of your child's costume that could sweep over candles or jack-o-lanterns. Ensure your child's costume is fire resistant.

*Watch out for scarecrow! Make sure corn husks, hay and other Fall decorations are far away from flames and other sources of heat.

Glowing Gourds
As the most universal Halloween decoration, carving Jack-O-Lanterns offers fun for the whole family.
Remember these tips to keep little fingers safe:

  • Give Jack a smile. Check the Halloween aisle at your local convenience store for a safety carving knife specifically for pumpkin carving. Let the adults or older children be responsible for carving duties.
  • Put a twinkle in Jack's eye. A flickering battery-operated light is the safest alternative to illuminate your pumpkin, but a small tea light will work as well. Make sure you remove the lid from the top of the pumpkin to allow heat to escape - or pop goes the pumpkin.

Keeping Fifi and Spot Safe
Halloween may be for the kids, but pets may want to join in the fun too! Keep your four-legged friends on a leash or in an enclosed area to keep everyone safe.

  • Don't let your dog(s) get spooked! In a busy neighborhood, Halloween night can be very stressful for dogs. Depending on Spot's temperament, he may want to pounce everyone who visits your door. Your trick-or-treaters may even dress up their own pets and bring them along to greet you - which could agitate Spot even more. Make sure you've notified your insurance company about Spot so you're covered for dog bite liability.
  • Keep an eye on kitty. Because most activity will take place at your front door, Fifi may try to make a quick escape. Keep your cat in your garage, bedroom or other enclosed area to make sure you don't have a runaway feline.

Keep Your Path Lit
Make sure your visitors tread safely to your front door.

  • Are you "ready or not"? Let the candy-crazed kids know you're "ready or not" by switching on your light when you're prepared for visitors and turning it off when you're finished or not participating.
  • Don't give your guests a frightful fall. You don't need to be a witch to use a broom. Make sure your sidewalks and walk paths are free and clear of wet leaves and lawn and garden tools.

While Halloween is supposed to be a night of frightful fun, it can quickly become a real night of terror if certain safety measures and precautions are not followed. Talk to your insurance agent today to make sure you're covered for any All Hallow's Eve events that turn foul.

If your insurance rate is a scream, visit HometownQuotes to connect with local agents who will help you compare free insurance quotes and offer ghoulishly great insurance rates.

About HometownQuotes:
HometownQuotes provides free insurance quotes to consumers and customized Internet insurance leads to insurance agents. Since 2003, the company has connected millions of consumers with thousands of insurance agents. HometownQuotes is based in Franklin, Tennessee.

Media Contact:
Krista Farmer


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