Halloween is one of the most exciting nights of the year for families and neighborhoods. The costumes, candy, and community spirit make it a holiday everyone looks forward to. But while it’s a night full of fun, it also comes with added risks for homeowners and renters. From increased foot traffic on your property to the use of candles, decorations, and even the possibility of theft or vandalism, it’s important to stay alert. A little preparation can go a long way toward keeping your home safe. Below are six practical Halloween safety tips to help you protect your property this spooky season.
Here are some things to keep in mind this Halloween.
1. Be vigilant against an increase in property crime. Ghouls and goblins may not only be scouring your neighborhood for candy, but they may also be looking for other things they can get their hands on, including wallets, purses, and other valuables. Theft and vandalism increase significantly during this time. If you’re handing out candy from your front door, make sure your garage is closed and locked. If you’re sitting in your driveway handing out candy, keep an eye on your property as well as your neighbors’ homes. If you notice anything suspicious, consider calling your local police.
2. Don’t forget to blow out the candles. Candles in pumpkins create a spooky glow, but they’re also a fire hazard. Use battery-powered LED lights instead if possible and never leave candles unattended. A pet’s wagging tail or a small child could easily knock them over. Read more about candle safety in this article. A homeowners insurance policy does provide coverage for fire damage. If you live in an apartment, it’s crucial to have a renters’ insurance policy. Usually, the building is covered by the landlord’s policy. However, you'll need a renters’ policy to get reimbursed for the loss of your personal belongings.
3. Lock your car and protect valuables. Never keep valuables, especially your keys, in an unlocked car. Also, never keep your social security card in your wallet or purse. Keep it stored in your home, preferably in a safe with other important documents.
4. Take precautions with decorations. Halloween decorations have become more prevalent in many neighborhoods. Unfortunately, improper use and installation could lead to personal injury and property damage. Be sure extension cords are properly secured and do not create any tripping hazards on walkways.
5. Watch out for pedestrians. On Halloween, children are out after dark and may forget safety rules. As a driver, it’s up to you to stay alert and slow down if you’re going through a neighborhood during trick-or-treat hours. In addition, it would be wise to stay off your mobile device and focus strictly on driving.
6. Be on the lookout for vandals. Keep an eye out for Halloween pranksters who may egg houses, steal decorations, or cause damage. Report incidents to non-emergency police if needed. If damage does happen, remember, before a claim payment can be made, you’re responsible for paying the deductible. If the items damaged or destroyed are less than your deductible, don’t file an insurance claim. Lastly, regularly review your insurance policy with your agent to make sure you have enough coverage to protect you all year round.
