A new InsuranceAgents.com article discusses the risks and liability issues homeowners can expect on Halloween.
Columbus, OH (1888PressRelease) November 01, 2009 - On the holiday where it’s encouraged to dress up and scare children, many homeowners forget to adequately protect their homes against damage. Fortunately, a recently published article on InsuranceAgents.com identifies the variety of risks and liability issues homeowners can expect on Halloween.
“The key to having fun on Halloween is having sufficient home insurance and preventing any possible dangers from occurring that may turn a festive night into a horror story you’ll be cringing at for years to come,” the article, Get More Home Insurance For Halloween Mishaps, states.
A fun and spooky night could quickly turn into a bad and dangerous one as decorations and lit candles can harm or burn guests, and cluttered pathways can trip and hurt trick-or-treaters. Any injuries or property damage becomes the financial responsibility of the homeowner who, without sufficient homeowners liability insurance, will have to pay for the repairs or medical and legal expenses out-of-pocket.
Homeowners interested in decreasing the number of accidents on Halloween can follow a few guidelines to keep liability risk and financial loss down to a bare minimum.
Fire and foremost, a homeowner can purchase a better homeowners insurance policy, one that provides more coverage. If upgrading policies is something they’re not interested in doing, homeowners can keep the path to their home lit and clear, and keep their general property well-lit. This will help others navigate the property more easily so they don’t trip or get hurt. A well-lit property will also help prevent vandals and burglars from lurking.
Homeowners who follow these and other tips can greatly reduce their liability risk not only on the spooky holiday, but for the days that follow as well. Accidents shouldn’t put a damper on a fun holiday, so homeowners looking to improve their homeowners insurance coverage should contact their insurance agent today.
A new InsuranceAgents.com article discusses the risks and liability issues homeowners can expect on Halloween. 
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