Halloween is a fun holiday for kids – and adults, too. It’s all about costumes, candy and parties. But, sadly, Halloween does pose some risks. Homeowners need to be aware that they need to keep their property safe when the ghosts and goblins come calling.
Here are some Halloween safety tips to keep children, your home and even the pets, safe:
Check your homeowner’s policy – Make sure your homeowner’s policy has to proper liability coverage to protect you against lawsuits. Have your insurance agent review your coverage.
Light it Up – Turn on the front, outside lights. If your stairs or walkway are not properly illuminated, consider stringing some Halloween lights along the walk leading up to the stairs, creating a lighted pathway.
Keep it Clear – The walkway and stairs should be clear of any obstacles such as flower pots, ornaments, and wet leaves. This will avoid trips and falls.
Prepackaged Candy – Serve only prepackaged candy or fruit to the trick-or-treaters. Make sure the wrapping is not ripped. Unwrapped fruit or candy will make parents nervous and would likely just get thrown out.
Party Safe – If you’re hosting a Halloween party, remember you are responsible for your guests when it comes to serving alcohol. Do not allow anyone under the legal drinking age to consume alcoholic beverages and be aware of anyone drinking excessively.
No Candles – Do not use candles in Jack-o-Lanterns in your home. These can easily be knocked over and cause a fire. Children should not carry candles, even in a Jack-o-Lantern. Use battery-powered candles, flashlights or glow sticks.
Safe Costumes – Make sure your children’s costumes have some reflective areas when they head out for trick-or-treating so they can be seen by drivers. Masks should not impede vision. Have your children carry a flashlight or light stick.
Pet Treats – Don’t forget your pet on Halloween. Most pet shops sell Halloween treats. Do give chocolate to your dog. A substance in chocolate, theobromine, is toxic to pets. Candy, in general, is not good for your pet since it can cause upset stomachs. Be careful not to leave wrappers around for your pet to consume.
Stepping Out – If you’re going out for Halloween, keep lights on inside and out to deter vandals and burglars.
If you have questions about homeowners insurance, please call me, Lois Drukman, at Walter May Insurance, at 781-740-5421.