Halloween Insurance Tips

Halloween is just a few days away!  We love any excuse around to celebrate and Halloween is especially fun around the office, but we wouldn't be good agents if we didn't give you a few good liability tips :)

You've heard most Halloween advice over and over:
Pack a flashlight..
Put reflective tape on costumes..
Check the candy before letting your kids eat it..

But what about the risks at your home?  Your Homeowners Insurance does cover you if someone is injured on your property but here are a few tips to prevent accidents before they happen:

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1. Change your lightbulbs:   Is your porch light burned out? What about lights along pathways? Good lightning will help prevent children (and adults) from tripping.
2. Clear hazards: Tree limbs in your yard? A hole you've been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!
3. No open flames:  While candle filled jack-o-lanterns look good and are fun to make, they are VERY dangerous!  Good Morning America actually did an investigate report on this recently.  Check it out on our Facebook page here:  https://www.facebook.com/searsagency  Instead, use battery operated LED lights in your pumpkins.  You can find these lights anywhere and they are a much safer alternative.


And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call us today at (978) 562-3464 to schedule a free review and detailed explanation of how we can keep your home and family protected.


HAPPY HALLOWEEN!