Spooky Risks for Homeowners: How to Be Responsible, Not Liable on Halloween

A new InsuranceAgents.com article outlines steps homeowners can take to better ensure they do not face liability and security issues on Halloween. End Quote

The article provides a 10-tip guide to Halloween home safety

Chicago, IL (1888PressRelease) October 05, 2009 - Halloween is a festive time of year, filled with spooky costumes, thrilling haunted houses and lots of delicious sweets and desserts. But homeowners shouldn’t forget the responsibility posed on them from the holiday’s public access nature. According to a recent InsuranceAgents.com article, ‘Halloween Home Safety: Don't Be Liable,’ homeowners face many liability and security issues on Halloween.

“When it comes to Halloween home safety, it’s a good idea to contact your home insurance agent and request additional coverage for the night,” the InsuranceAgents.com article recommends. “Opening your home, even if it’s just your front porch, to the public leaves you vulnerable to all kinds of claims and lawsuits.”

The article provides a 10-tip guide to Halloween home safety, something too few homeowners practice when they get caught up in the festive spirit of the holiday. But by ignoring safety on Halloween, guests and trick-or-treaters (even occupants in the home) can be hurt and the homeowner would be held responsible.

Some of the tips include the following:

• Homeowners should keep their home well-lit helps trick-or-treaters navigate the property safely and minimizes the risk of burglars.
• Never leave candles or lit Jack-O-Lanterns unattended.
• Adults and older children only should carve pumpkins.
• Restrain pets from areas of the home where guests, trick-or-treaters, and lit décor may be.
• Invest in home security measures, including an alarm system, motion-sensitive lights, and locks on windows to thwart criminals.
• Get extra homeowners insurance and homeowners insurance quotes.

It’s strongly encouraged for homeowners to consult their homeowners insurance agent and seek additional coverage, even if it’s just for the one night. The night of Halloween poses a great many risks to homeowners, so seeking additional coverage is more than worth it. This way, homeowners can prepare for Halloween in a safe and responsible way.

For more ways to save on homeowners insurance and for insurance quotes from up to five local agents, visit InsuranceAgents.com.

http://www.insuranceagents.com/halloween-home-safety.html

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