Tag: Halloween

Halloween Horrors Covered by Your Homeowners Insurance

Posted on by butlervetinsurance

Your homeowners insurance will protect you from Halloween home mishaps.

Halloween is one of the best nights of the year for children! Unfortunately, this playful, mischievous manner could turn into mayhem when a trick-or-treater trips or your jack-o’-lantern is knocked over.

Fortunately, you can cackle your way through this night as most homeowners insurance policies cover these nightmare situations!

  • Tricksters damage your home: Standard homeowners policies cover vandalism when repair costs exceed your deductible.
  • Candles cause a fire: Fires caused by a jack-o’-lantern candle or a string of ghost lights will be covered. If you are unable to live in your home because of damages, your homeowners insurance will also pay for your additional living expenses.
  • Trick-or-treating trauma: Injuries caused to children or their parents are covered by the homeowner liability portion of your policy.
  • Car crash: If you crash your car by to avoid hitting a trick-or-treater (it happens more than you think!), the accident would be covered by the collision portion of your auto insurance. If anyone is hurt, your liability protection will take care of that.

Luckily, with proper insurance, you will have coverage throughout all Halloween misfortunes! That being said, you can reduce the likelihood of an accident by ensuring all paths to the house are clear, double-checking that there is sufficient lighting, and not lighting any open flames.

Visit Stromsoe Insurance Agency to put the necessary insurance in California in place before Halloween night. We promise no tricks in our insurance policies!

Halloween Safety Tips for Kids-Keep Them Safe!

Posted on by butlervetinsurance

Anytime a child has an accident, it’s tragic. The last thing that you want to happen is for your child to be hurt on a holiday, it would forever live in the minds of the child and the family.

 There are many ways to keep your child safe at Halloween, when they are more prone to accidents and injuries. The excitement of children and adults at this time of year sometimes makes them forget to be careful. Simple common sense can do a lot to stop any tragedies from happening.

  • Help your child pick out or make a costume that will be safe. Make it fire proof, the eye holes should be large enough for good peripheral vision.
  • If you set jack-o-lanterns on your porch with candles in them, make sure that they are far enough out of the way so that kids costumes won’t accidentally be set on fire.
  • Make sure that if your child is carrying a prop, such as a scythe, butcher knife or a pitchfork, that the tips are smooth and flexible enough to not cause injury if fallen on.
  • Kids always want to help with the pumpkin carving. Small children shouldn’t be allowed to use a sharp knife to cut the top or the face. There are many kits available that come with tiny saws that work better then knives and are safer, although you can be cut by them as well. It’s best to let the kids clean out the pumpkin and draw a face on it, which you can carve for them.
  • Treating your kids to a spooky Halloween dinner will make them less likely to eat the candy they collect before you have a chance to check it for them.
  • Teaching your kids basic everyday safety such as not getting into cars or talking to strangers, watching both ways before crossing streets and crossing when the lights tell you to, will help make them safer when they are out Trick or Treating.

Make Halloween a fun, safe and happy time for your kids and they’ll carry on the tradition that you taught them to their own families some day!