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With all of the Halloween excitement of finding the right costume, getting the house decorated, and making sure your candy bowls are stocked, who has time to think about their home insurance? 

We recommend you do!  Halloween presents an increased liability exposure with the influx of trick or treaters that are bound to knock on your door.   We’ve provided a few recommendations to help keep your home a safe place.

Halloween Insurance Tips for Homeowners

Listed below are a few things a homeowner can do to reduce the risk of having to report a Halloween insurance claim.

  1. Keep Fido out of the way. The constant ringing of the doorbell and the Halloween hustle and bustle gets dogs excited. The oddly dressed people on the other side of the door don't do much to calm Fido down. It's best to make sure that the dog is occupied or kept away from the door so that he does not feel the need to protect his turf or playfully jump on trick or treaters, knocking them to the floor. The last type of Halloween treat a homeowner wants is a liability suit because of the dog.
  2. Practice extreme caution with candles. While the orange glowing effect of a candle adds to the Halloween ambiance, it can cause a fire if the candles are not carefully placed and monitored.
  3. Illuminate walking paths for trick or treaters. It is possible to decorate a home for Halloween keeping with the dark and gloomy tradition while simultaneously providing enough light for the walking path. Whether the walkway is lined with glowing pumpkins or the muted illumination of solar lights, it is important for the homeowner to properly illuminate the walking path to avoid unnecessary trips and falls.
  4. Keep all wiring off the walking path. Along with proper theme related lighting, homeowners must take care to keep the extension cords off the walkway or cover them with mats in such a way to prevent tripping and falling. Trips and falls are common causes for homeowner insurance third party liability claims.
  5. Be careful of the 'shock and awe' affect. The Halloween celebration invokes thoughts of horror, fright and shock. However, in an attempt to reduce the possibility of a law suit, it is recommended to refrain from tactics such as suddenly jumping out from darkened bushes or other such scare tactics. These blood rushing tactics may be fun at an amusement park fun house, but it opens the homeowner up to another source of liability. Amusement parks carry Haunted House Insurance to cover such risks, homeowners do not.
  6. Purchase additional coverage. If the thought of pulling in the reigns on a Halloween celebration puts a damper on the fun, maybe its time to consider purchasing additional insurance to cover the holiday. Homeowners can call their insurance agent to find out how much it will cost to increase their liability limits to cover the increased holiday exposure.
  7. Lock your vehicles and storage sheds! Halloween brings all types of visitors to your neighborhood.  So be sure to keep your cars, sheds, and anything else of value locked up tight!  You never know who might show up. 

By taking just a few precautions, homeowners won't have to spend their time worrying about potential insurance claims. The only thing they should be concerned about is whether or not they have enough candy for the hungry little trick or treaters.

Are you a Copeland Agency client?  Be sure you have the right amount of liability coverage to protect your family's assets. Call us today!

Not a Copeland Insurance Agency client?  Get your free home insurance quote today!

Source: Suite101

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