22 Oct Spooky But Safe: Tips for Protecting Your Home on Halloween Night

Halloween is many people’s favorite holiday. The kids go trick-or-treating. Some decorate the outside of their homes with animatronic skeletons and creepy characters. Some people hand out candy (while secretly stashing some for themselves). It’s just a fun, all-around night.

As you may know, this holiday is popular for a number of reasons. However, there’s also a downside to Halloween. All of the kids and their parents tromping around your yard can spell trouble if someone slips and falls or your home falls prey to neighborhood teenagers playing pranks.

So, how can you keep your home and neighbors safe? Here are a few suggestions to keep your Halloween night spooky but safe.

Use Your Outdoor Lights

Everyone knows that a lit porch light is a sign that you’re handing out candy. But what about outdoor lights? You need to have a clearly lit path so that trick or treaters can safely make their way from the sidewalk to your door without tripping. Halloween night is the best time to ensure that all of your outdoor lights are on, especially the ones that illuminate your front yard and porch.

Keep Decor Off the Sidewalk

Where do you usually place your Halloween decor? If you keep it on the lawn, that’s great, as it’s contained in an area where your neighbors won’t tread. However, if you have some on the walkway to your home, your front porch, or the driveway that leads to your front walkway, then you probably should move it. After all, these items, although an important part of your Halloween aesthetics, can easily become tripping hazards.

Don’t Scare Your Neighbors

You might be tempted by the Instagram Reels and YouTube videos of people hiding in their outdoor Halloween decor ready and waiting to pop out and scare their neighbors. While this makes for interesting internet fodder, it’s also a good way to end up with a lawsuit. All that it takes is for one neighbor to get shocked into a heart attack or a kid in a costume to fall and break a bone for you to end up with an insurance claim.

Make Sure You Have Enough Homeowner’s Insurance

Speaking of insurance, prior to Halloween, make sure that you have enough homeowner’s insurance. If one of those rowdy neighbor kids throws eggs or worse, rocks, at your home as a prank, they could break a window or worse. You’ll need your homeowner’s insurance in order to get that damage repaired. Also, ensure that you have liability insurance as a part of your plan, just in case a trick-or-treater breaks their wrist after tripping on an uneven patch of concrete in your yard. It’s always good to be prepared.

Contact Spivey Insurance

Are you ready to make sure that you have the right type of homeowner’s insurance for anything that Halloween may bring? Do you have questions about the need for additional coverage? If so, contact Spivey Insurance. Our knowledgeable agents can help you review and update your insurance policies so that you can enjoy the holiday without any unpleasant surprises.