H
alloween is often associated with fun and celebration, but it's also a night of hidden risks that people frequently overlook. Homeowners are particularly anxious about liability from accidents and property damage like vandalism.

    To alleviate these fears, homeowners can take proactive steps to prepare themselves and protect their property before Halloween. Some hazards to be aware of include trip-and-fall hazards from trick-or-treaters or dog bites due to increased foot traffic, as well as the threat of fire from outdoor decorations and lit candles in carved pumpkins.

    To prevent accidents, make sure there's a clear pathway to your door with no obstacles that could trip someone up. Ensure sidewalks are maintained, railings are secure, and outdoor areas are well-lit. If it's snowy or icy outside, shovel snow and use deicer or sand on steps, driveways, and walkways.

    Avoid using extension cords for decorations, and cover electrical wires in your front lawn with cord covers or tape to secure them safely on the ground. Use electric lights or glow sticks instead of candles in pumpkins, and keep flammable decorations away from open flames or heat sources.

    To prevent vandalism, use video monitoring and proper lighting. If you're a pet owner, have a plan in place for your furry friend before trick-or-treaters arrive, and restrain pets regardless of whether they seem friendly.

    It's also essential to check your insurance coverage to ensure you have the right amount of liability coverage. A standard homeowners policy provides limited medical payments coverage for guests who are injured on your premises. Check your policy declarations to make sure you have Coverage E (legal fees and damages) and Coverage F (medical bills).

    If someone gets hurt on your property, get them medical attention immediately, take photos and/or video of the accident scene, and stay on the scene until the police arrive. Report any potential claims as soon as possible, and contact your insurance provider for guidance.

    If your property gets damaged, determine whether the repair costs would be more or less than your deductible before filing a claim. Take pictures of all the damages and upload or email them to your insurance carrier as soon as possible. Your insurance agent will assign an adjuster to assess the damage, and with any luck, you'll have no tricks and all treats navigating the claims process.