Homeowners Guide to Being Smart on Halloween Released

Although Halloween is a festive holiday that allows people of all ages to experiment with their “creative” self, it can get a bit detrimental at times for homeowners. A recently published article on InsuranceAgents.com tells of the security and risk issues homeowners might face come October 31.

“When it comes to Halloween home safety, it’s a good idea to contact your home insurance agent and request additional coverage for the night,” the article, Halloween Home Safety: Don’t Be Liable, suggests. “Opening your home, even if it’s just your front porch, to the public leaves you vulnerable to all kinds of claims and lawsuits.”

Many homeowners get caught up in the fun and forget that they can be held responsible should anything happen on their property. While Halloween is intended to be a fun holiday, safety should always come first. The article provides readers with some tips on they can ensure their Halloween experience isn’t overshadowed by a few unhappy surprises.

First and foremost, homeowners should always keep their home well-lit throughout the night to help trick-or-treaters navigate the property safely and minimizes the risk of burglars. According to the article, they should also “never leave candles or lit Jack-O-Lanterns unattended and restrain pets from areas of the home where guests, trick-or-treaters, and lit décor may be.”

Homeowners worried about being held responsible on Halloween should consult with their homeowners insurance agent about possibly expanding their current policy. It’s always better to be safe than sorry, and October 31 is one night homeowners can’t risk having an inadequate amount of coverage. Although Halloween is intended as a holiday for everybody to enjoy themselves, homeowners should be sure to protect against those who take it too far.

Staff contribution: Rafael Onak

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