Halloween Horrors Your Homeowners Policy Can Help With

Halloween is full of fun and frightful experiences. It can also be dangerous if you aren’t proactive. While you are preparing your home for the haunting festivities, you can take a few precautions to ensure that everything goes smoothly all month long. A few simple tips can prevent having to file a homeowners’ insurance claim. It also ensures that your family and any guests who visit you stay safe all month long.

Peanut Perils

Peanuts may be a family favorite, but for some people, they can be extremely harmful. Peanut allergies send thousands of people to the emergency room every year. When you are putting together treat bags or choosing candy to offer to trick-or-treaters, look for options that don’t contain peanuts, peanut butter, or any type of peanut products. One option instead of candy is school supplies. They are safe for children and much needed by students.

Jack-o’Lantern Flare-Ups

For many years, live candles were placed in jack-o’lanterns to illuminate their scary faces. The problem with live candles is that it is easy for the flame (or sparks) to escape from the pumpkin and catch costumes or nearby directions on fire. Instead of using live candles, choose small, battery-operated candles.

Massacre Messiness

The bad thing about Halloween makeup is that much of it is made using permanent coloring. If you spill a large amount of fake blood or other substances, it can permanently damage your furniture, flooring, walls, or anything else it comes in contact with. Halloween is a fantastic time of year for being creative and having fun. You just need to be careful not to spill your creativity on your furniture!

Too Much Punch

Halloween isn’t just for kids. Adults can join in the fun as well. If you are planning an adult Halloween gathering, don’t forget to monitor how much alcohol your guests have access to. While creating spooky drinks and weird concoctions is fun, don’t go overboard. Encourage your guests to drink in moderation. Have the phone number of a cab service so your friends won’t have to worry about how they are going to get home.

The House That Houston Ate

While sinkholes are a rare occurrence, they can happen. There isn’t really much you can do to prevent them either. The only way to really prepare is to have an evacuation plan in place to help you and your family get out of your home as safely as possible if you begin to see, feel, or hear anything out of the ordinary when it comes to the structure of your home.

Cujo Catastrophe

Reports of dog bites usually rise around Halloween. Your pet may be quite familiar with your family and friends, but when they visit in droves with a variety of costumes and “weapons”, things can change quickly and without warning.

Animal Mysteries

With most people carrying candy and other goodies in their Halloween bags, it’s inevitable that some will spill both inside and outside your house. This can attract a variety of critters, including mice, rats, opossums, and raccoons.

Unwelcome Ghosts and Ghouls

When you are constantly answering the door to hand out candy, be aware of unwanted ghosts and ghouls who may try to make their way into your home or onto your property. Rope off your yard to keep excited trick-or-treaters from destroying your lawn decorations or trying to wander into your backyard.

Avoid Halloween Hang-ups and Insurance Claims with J. Archer Insurance Group

Halloween can be as fun and exciting as you make it. With a little extra care, you and your family can entertain guests and have a grand time without having to worry too much about accidents and mishaps. Contact the agents at J. Archer Insurance Group to learn more. We have many more tips to help you celebrate a safe Halloween season.

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