Halloween Safety: Home Safety Tips

October 23, 2023||inPersonal Insurance|auto insurance, homeowners insurance, personal insurance, personal liability

Halloween isn’t just for kids.  All you have to do is drive around and see the decorations, and you’ll know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended.

Insurance may not come to mind as you’re planning your costumes or decorating your home, but certain risks are involved, especially if you invite people into your home or onto your property.  Also, if you’re driving on Halloween, you must also take precautions.

Halloween Safety - Part 1: Home Safety Tips
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

8 Tips for Halloween Safety Around Your Home and On the Road.

  1. If decorating with lights, ensure all electrical plugs are in good order. Throw out any strands or cords that are frayed or not working correctly.
  2. Candles often add to the spooky quality of decorations. Be extremely careful with open flames. You don’t want them to catch on decorations or clothing. Don’t leave open flames unattended. Consider using battery-operated candles, which can even have a realistic flicker, to light pumpkins and other displays.
  3. If carving pumpkins, make sure that kids are closely supervised around knives. Don’t try to rush doing this at the last minute…sharp knives and moving fast are a recipe for disaster.
  4. Make sure driveways and walkways are well-lit. While dim lights may add to the spooky feel, it can also be dangerous if people can’t see where they are going. Nothing can spoil the fun more than a lawsuit because someone tripped, fell, and was injured.
  5. If you set up a significant “haunted house” at your home and invite neighbors and friends to walk through, you may want to consider increasing your liability limits.
  6. Having a party? Put away breakable items that could be accidentally damaged. If you’re serving alcohol, take precautions to limit your liability exposure. Speak with your insurance agent, as you may need additional protection.
  7. Attending a Halloween party? Be safe. If alcohol is being served, have a designated driver. Don’t drink and drive.
  8. Drivers, be extra careful if you’re out on Halloween. Dark streets and kids/groups walking on roads where you might not usually see a lot of pedestrians can be a dangerous combination. Drive defensively.

Have a spooktacular Halloween!

Read Other Blog Posts

Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance

Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance

Read more
Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Read more
Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Read more
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Read more
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
Read more
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Read more
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Read more
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Read more
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Read more

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.