The weather is changing, trick-or-treaters are at your door and seasonal hazards are a concern for every homeowner. Here are some tips to help you protect your home and visitors during this Halloween season.
Trick-or-Treaters – With many children coming to your door, it is important to eliminate hazards that could cause injury. Make sure the pathway and steps to your front door are clear of leaves that can be slippery and remove any objects that could be a tripping hazard. Also, make sure the walkway to your home is well lit.
What if someone is injured on your property?
If someone gets injured on your property, the liability portion of your homeowners policy should cover the claim. Be sure to check your policy of any coverage restrictions.
Vandals – Unfortunately it is a time of year where kids can be a bit rowdy or intent on causing damage to your property. Keeping a well-lit exterior may deter vandals from targeting your property. If you have a home video surveillance system, make sure it is turned on especially in the evening and at night.
What if someone vandalizes your property?
If your property has been vandalized be sure to take photos of and document the damage. Standard homeowners policies cover vandalism, but it is always best to double check your policy.uite a niche job, and isn’t easy to do on your own. They would find a company hen organise a suitame for utan r! >
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What if candles cause a fire in my home?
If a fire startey a candle causes damage to your home, your homeowners policy may cover all damage (minus your deductible) and a place to stay if the damage makes your home unlivable.
Some other helpful tips for this Halloween season:
- Keep pets away when trick-or-treaters are at your door.
- Keep children away from candles, matches or any open flames.
- Use LED lights in your jack-o-lanterns instead of candles.
- Make sure any decorations are secure and not in the way of trick-or-treaters.