Halloween Can Be a FRIGHT For Homeowners! All Tips, No Tricks 🎃

Spooky season is here, which means it’s time for Halloween parties and fall-time festivities 🍂☕️🎃 Unfortunately, this can be a frightening time for homeowners who are worried about the safety and security of their homes.

Let’s discuss strategies to safeguard you and your home from potential legal risks!

Halloween Parties & Trick or Treating

From tipsy party guests to klutzy trick-or-treaters, Halloween can be a scary time for homeowners. Sometimes, if someone falls or gets hurt on your property, you can be liable for their medical expenses.

To avoid any mishaps, it’s important to take precautions before Halloween events 🎃 

1. Keep your home well-lit. 

A well-lit home is less likely to be targeted by mischievous trick-or-treaters or partygoers looking to cause trouble. Ensure all exterior lights work properly and leave them on throughout the night.

2. Keep decorations safe. 

While decorations can add to the spooky atmosphere of Halloween, they can also pose a safety hazard if not properly secured. Make sure all decorations are safely secured to prevent them from falling and causing injury. 

3. Secure your property. 

If you’re hosting a Halloween party, make sure to secure your property to prevent any uninvited guests from wandering in. Keep all doors and windows locked, and consider installing driveway cameras or motion-activated lights. Check for any tripping hazards, like broken sidewalks or debris in the walkways.

Avoid Electrical Overload & Fire Hazards

As we gear up for the spookiest time of year, holiday decorations should be a source of excitement – not undue stress. Oftentimes, part of the magic involves extra lighting, giant blow-up decorations, and extension cords upon extension cords ⚡

To help keep your home safe from electrical overload and fire hazards, let’s be sure to decorate safely this Halloween:

• Keep extension cords away from walkways
• Throw out frayed or broken lighting 
• Use battery-operated candles or lighting 🕯️
• Ensure your yard is clear of debris or obstacles
• Keep inflatable decorations tied down
• DON’T overload your circuits

Like any other day, it’s SUPER important to know who’s on your property and make sure that everyone is safe – including yourself! 

Feel Confident with the Right Insurance Coverage

We get it – insurance policies can be pretty SPOOKY all on their own! 😱 But a little preparation goes a long way. Before we get too far into the holiday season, give me a call so I can check to see if you have these endorsements on your current policy! 417-766-4689

👉 Liability Coverage: This could cover you from lawsuits for injury or property damage that you or your family members cause to other people. 

👉 Extended Dwelling Coverage: This coverage could help pay for additional damage or losses that exceed the limits of your dwelling coverage. 

👉 Extended Replacement Cost: This is an endorsement that could extend your “rebuild” costs by up to 50% of your home’s value as determined by the adjustor. 

👉 Water Backup Insurance: This helps provide added protection from water damage that’s caused by backed-up drains or failed sump pumps. 

👉 Hidden Water Damage Coverage: Similarly, an optional policy could add extra protection from water damage caused by a leak that you can’t see within the plumbing or household appliances–like your dishwasher or washing machine. 

Chat with The Resource Center | Independent Insurance Agency

At The Resource Center, we’re an independent insurance agency. That means we don’t work for an insurance provider like Progressive, Auto-Owners, or Travelers–we work for YOU! Our agents will shop your rates in the market so we can find the best deal for your budget. 

Catch John Schaeffer’s show Safer with Schaeffer Tuesdays at 3 pm on KOLR’s Ozarks Live. This radio show is a paid placement.

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Insurance products are offered through the insurance business The Resource Center Insurance Services, LLC. The insurance products offered by The Resource Center Insurance Services, LLC are not subject to investment advisory requirements.