Halloween should be about costumes, candy and spooky fun—not an unexpected insurance claim. For homeowners in Central Texas and the Hill Country, a few simple precautions can help keep your trick-or-treaters safe and your evening fright-free.
Watch for Slip & Trip Hazards
Dark walkways, uneven sidewalks, extension cords, garden hoses and Halloween decorations can create easy opportunities for a tumble. Clear paths to your front door, secure cords and decorations, and make sure steps and handrails are safe.
Light It Up & Secure the Pets
A creepy atmosphere is fun; a completely dark walkway isn’t. Keep porches, steps and walkways well lit. If you have a dog that gets excited by the doorbell—or a cat who sees an open door as an escape route—consider keeping pets safely inside and away from trick-or-treaters.
Also, secure inflatables and other decorations properly, and use outdoor-rated extension cords for exterior displays.
Your Homeowners Liability Coverage Matters
If someone is injured on your property and you’re legally responsible, the personal liability portion of your homeowners policy may help cover medical expenses, legal costs and damages, subject to your policy’s terms and limits. Medical Payments coverage may also help with certain injuries to guests.
Before the costumes come out, take a quick walk around your property. A few minutes of prevention can help keep Halloween memorable for all the right reasons.
