It's the end of October and that means that Halloween is a few days away! 
We love any excuse to celebrate, but Halloween is especially fun around the office. However, I wouldn't be a good insurance agent if I didn't give a few good liability tips too.


You've heard most Halloween advice over and over so I won’t bore you with the basics. You know them:


-       Pack a flashlight for when it gets dark.

-       Put reflective tape on children's costumes.

-       Check the kid's candy before letting them eat any.


But what about the risks at your home for all those potential trick or treaters?


Your Homeowners Insurance covers you if someone is injured on your property. But there are a few things that you can do before anyone even shows up to prevent accidents before they happen!


1. Change your light bulbs. Is your porch light burned out? What about lights along pathways? Good lightning will help prevent children (and adults) from tripping.


2. Clear hazards. Tree limbs in your yard? A hole you've been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!


3. No open flames. While candle filled pumpkins are fun to make, they can be dangerous too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces. Better yet, get the small fake candles that look like candles but run off of batteries. Those are even better and safer for everyone!


And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call us today at 888-565-2212 to schedule a free review of your New York home insurance and detailed explanation of how we can keep your home and family protected.


At Bryan Insurance we are your local home insurance agent covering New Windsor, Long Island, and all of New York.

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