Five Fresh Tips to Keep Your Night More Treat Than Trick

1. Keep Your Pets Calm and Contained

Why it matters: A constantly ringing doorbell, masked visitors, and strange noises can stress even the friendliest pet. A frightened dog may bite, jump on a child, or dart out the open door.

Insurance angle: Dog bites are one of the most common homeowners liability claims. Homeowners insurance typically covers them, but some policies limit or exclude certain breeds, which can be an issue if a claim occurs.

Tip: Keep pets in a quiet room away from the front door. Make sure they wear ID tags in case they slip out.

2. Decorate Without the Drama

Why it matters: Bigger decorations mean more time on ladders and more things that can blow away. Strong fall winds can send an inflatable ghost straight into a neighbor’s car.

Insurance angle: If your decorations damage a neighbor’s property, your homeowners liability coverage may help. If you’re hurt falling off a ladder, your health insurance usually covers that, not your homeowners policy.

Tip: Use a sturdy ladder and have someone hold it. Stake down inflatables, use outdoor-rated extension cords, and consider bringing in decorations in on windy nights.

3. Don’t Get Tricked by Vandals or Porch Pirates

Why it matters: Halloween weekend can bring smashed pumpkins, egged cars, and stolen decorations. Package theft also picks up as holiday shopping season begins.

Insurance angle: Homeowners insurance usually covers vandalism and theft, but your deductible applies. For minor damage, paying out of pocket may make more sense than filing a claim.

Tip: Keep outdoor lights on and consider a doorbell camera. Bring packages in promptly, and park in a garage or well-lit spot if you can.

4. Host a Party Worth Remembering (for the Right Reasons)

Why it matters: A Saturday Halloween means more grown-up parties that run late. If a guest drinks too much and causes an accident, you could be held responsible under social host liability laws.

Insurance angle: Your homeowners policy typically responds first if you’re sued. If damages go beyond your limits, an umbrella policy can add an extra layer of protection.

Tip: Serve plenty of food and nonalcoholic drinks, and stop serving alcohol well before the party ends. Help guests arrange safe rides home, and never serve alcohol to anyone under 21.

5. Slow Down on the Weekend Roads

Why it matters: With no school the next day, trick-or-treating may start earlier, and parties may run later. That means more kids on the streets in the evening and an increased chance of impaired drivers.

Insurance angle: A pedestrian accident can affect your auto insurance and your rates. Uninsured and underinsured motorist coverage can also protect you if a driver hits you and doesn’t have enough insurance.

Tip: Drive slowly through neighborhoods, put your phone away, and watch for kids in dark costumes. If you’re celebrating, plan a sober ride or use a rideshare.

Is Your Coverage Ready for the Holidays?

Halloween kicks off a busy season of parties, travel, and holiday shopping. It’s a great time to make sure your coverage still fits your life. If any of these tips made you wonder, “Would I be covered?” that’s a smart question to ask.

You can find your current coverage limits on your policy or by logging into the Murphy Insurance 24 Client Portal. If you have questions or want to explore more protection, Contact Us today, no crystal ball required.