Costume, Candy & Liability: A Halloween Home Safety Guide
Halloween is one of those nights when your normally quiet front porch can suddenly become one of the busiest spots in the neighborhood. Costumed kids are running from house to house, decorations are glowing, pets are wondering what all the excitement is about, and the candy bowl seems to empty faster than you can fill it.
It’s a lot of fun—but having extra visitors on your property can also bring a few extra risks.
Before the trick-or-treaters arrive, here are some simple ways to help keep Halloween safe around your home.
Clear the Way for Trick-or-Treaters
Dark costumes, masks and excited kids aren’t always the best combination for navigating steps and sidewalks.
Take a few minutes before Halloween night to check the path from the sidewalk or driveway to your front door. Move garden hoses, toys, extension cords, decorations and anything else someone could trip over.
If you have uneven pavement, loose steps or other potential hazards, address them before guests arrive.
Light Up Your Walkways
A spooky atmosphere is part of Halloween, but your walkway shouldn’t be so spooky that visitors can’t see where they’re going.
Make sure steps, sidewalks and entrances are well-lit. Consider adding temporary outdoor lighting if portions of your property are particularly dark.
Good lighting can also help drivers spot children who may be crossing driveways or walking near the road.
Keep Decorations Safe
Giant skeletons, inflatable ghosts and elaborate displays can make your house the hit of the neighborhood, but make sure they’re securely placed.
Keep electrical cords away from walking areas and use lights and extension cords rated for outdoor use when decorating outside.
Decorations should also be positioned where they won’t block stairs, railings or entrances.
Think Twice About Open Flames
Jack-o’-lanterns are a Halloween classic, but an open flame around costumes, decorations and excited children can create a fire risk.
Battery-operated candles and LED lights can provide the same spooky glow without an open flame.
If you do use traditional candles, place them well away from walkways, decorations and anything flammable—and never leave them unattended.
Don’t Forget About Your Pets
Halloween can be stressful for pets. Doorbells, strangers, costumes and constant activity can make even normally friendly animals nervous or overly excited.
Consider keeping pets in a secure room away from the front door while trick-or-treaters are visiting.
It’s also important to keep candy out of reach. Chocolate and certain sugar-free candies can be dangerous for dogs and other pets.
What Does Halloween Have to Do With Homeowners Insurance?
Homeowners insurance generally includes liability protection that may come into play if someone is injured on your property and you’re legally responsible. Coverage varies by policy and situation, which is why it’s important to understand what your particular policy provides.
Halloween is also a good reminder that liability risks aren’t limited to one night a year. Guests, delivery drivers, contractors and neighbors may visit your property throughout the year.
If it’s been a while since you’ve reviewed your homeowners insurance, talk with your independent insurance agent. They can help you understand your liability coverage, answer questions and determine whether your current policy still fits your needs.
Then you can get back to the important Halloween decisions—like whether you’re handing out the fun-size candy bars or the full-size ones this year.
Happy Halloween, and stay safe!