10 tips for spooky season safety
Halloween brings out the kid in all of us. But while you’re putting the finishing touches on costumes and topping off your bowls of candy, it’s worth taking a moment to consider the less fun side of the holiday: potential insurance claims. A little preparation now can save you from a frightening surprise later.
Decorations can turn dangerous
Elaborate Halloween displays are fun, but they also come with risks worth thinking about.
- Electrical hazards: String lights, animated props and inflatable decorations all require power. Be aware of how much power your outdoor outlets were designed to handle because overloaded circuits can lead to fires. Additionally, make sure you are using outdoor-rated equipment, and check your cords regularly for damage.
- Tripping hazards: If a trick-or-treater or guest takes a tumble on your property, you could face a liability claim. Keep walkways clear and well-lit, secure cords properly and ensure your decorations don’t obstruct safe passage.
- Wind and weather damage: That massive inflatable skeleton might look fantastic, but autumn weather can be unpredictable. Improperly secured decorations can damage property, or even injure someone if they break free. Always follow manufacturer guidelines for anchoring your outdoor decorations.
When pranks cross the line
There are steps you can take to keep your property safe from egging, toilet papering, spray paint and other damage that can leave you dealing with cleanup costs and potential insurance claims.
- Prevention is your first line of defense: Make sure your security cameras and motion-activated lights are powered up and able to capture activity. Most pranksters are looking for easy targets, and a well-lit property with surveillance tends to be a deterrent.
- Document everything: If your property is damaged, take photos and videos before cleaning up. Your homeowners insurance may cover vandalism, but you’ll typically need to pay your deductible first, so it’s worth checking whether the damage exceeds that threshold.
- Know your coverage: Be sure to review your specific policy details to understand your coverage limits and deductible before an incident occurs to help you make an informed decision about whether to file a claim (give us a call — we’re happy to support!).
Entertain responsibly
Hosting a party? Your homeowners insurance typically includes liability coverage for incidents that occur on your property, but there are limits. If a guest is injured, you want to have adequate coverage already in place.
Consider the following safety measures:
- Keep walkways clear and well-lit.
- Monitor alcohol consumption.
- Use battery-operated candles instead of real flames near decorations.
- Make sure railings and stairs are secure.
Treat yourself to peace of mind
By taking some basic precautions with your decorations, supervising activities and maintaining safe conditions on your property, you can enjoy the holiday while minimizing your exposure to expensive risks.
Remember, it’s important to periodically review your insurance coverage. Your liability limits, property coverage and other policy details should align with your current situation and potential risks. When it comes to Halloween, ghosts and goblins should be the only uninvited guests — not unexpected claims.
