You'll definitely say "boo" if you are faced with a claim to your homeowners insurance because of a Halloween accident on your property. Fortunately, there are some really easy things you can do ahead of time to make sure Halloween is a safe and fun day.
Keep your lights on. You want your visitors, including trick-or-treaters, to see clearly when they enter your property after dark to avoid injuries caused by falling. And, keeping some lights on can stop burglars, so you'll want to do this regularly, not just on Halloween.
Create a clear path. Make sure there is nothing in the driveway or other walkways that someone may trip on. Remove lawn art and gardening equipment, and make sure all toys, flower pots/planters, etc are put away. Little kids like to scamper. They aren't looking for these hazards. If you have loose steps or stones, make sure to repair those, too.
Use flameless candles. Do you like the way the dark looks with a flickering flame? Use flameless candles or battery power lanterns. If you do not use regular candles, watch them closely and keep them away from curtains that may blow into the flame. Use flameless candles in your jack-o-lanterns, too.
Put your pets in another room. Keep dogs and cats away from trick-or-treaters. They may be spooked by the extra activity, loud noises, and costumes.
Set your alarm system before you leave. Halloween brings out the most mischievous so protect your home with your home alarm system. And why not use Halloween as one of the days you always check your smoke alarms, too!
Halloween is a lot of fun, but it's also a day that sees a lot of injuries. Don't be caught off guard!
Questions about home mortgages? Contact Universal Lending today at 1-866-399-8941 or 406-294-2660.
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