William M. Sparks 1945 - 2023
As a homeowner, you’ll want to take steps to avoid the risk of various liability issues during this Halloween season. It’s a spooky night by design, but mischief can prevail and vandalism can result. Likewise, there is always a greater potential for accidents such as slipping and falling that could cause injury as trick-or-treaters and other guests visit your property on Halloween. Just as importantly, it might well be a challenge to restrain your pets as the doorbell rings repeatedly and strange voices carry through the house – not to mention all the scary and unfamiliar costumed visitors.
Prevent Slip and Fall Accidents.
Take a last-minute tour of your property to remove any obstacles in the walking paths around your home. Be sure that all children’s toys, tools and other objects that could cause a visitor to trip and fall have been removed and stored in their proper places and not underfoot. Be sure that there are no loose hand railings on outside stairs, and replace any burned-out bulbs in your outside lighting to assure that walkways are as well-lit as possible.
Keep Your Pets Out of Harm’s Way.
Find a safe, comfortable place for your pets to wait out the evening – some area that is safely outside of the traffic area to be used by visitors. This assures that your pet will not be startled and attack a visitor, and it prevents your pets from bolting out the door when it is opened.
Prepare Ahead to Avoid Pranks or Vandalism.
See that your property is well-lit with outside lighting to discourage any would-be pranksters or vandals who are seeking the cover of darkness. Consider storing outside furniture and other such items. Secure your car in the garage or at least lock it to prevent mischief.
Take the Time to Review Home Insurance.
Even with the most diligent of preparations, accidents or damages can still occur. Give yourself the peace of mind that comes from knowing that your Homeowners Insurance policy will protect you from any liabilities such as those above. A quick conversation with your insurance agent can offer you that assurance.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.
