As Halloween approaches, your children or grandchildren might be anxious about confronting witches and werewolves while trick-or-treating. But, there are more real and consequential dangers lurking in the shadows. Luckily, you don’t need a silver bullet or a stake to ward them off. Here are some steps that you can take to avoid danger and damage to your home and property this All Hallows’ Eve. We’ve also outlined what your insurance will likely cover, should something frightful occur.
Carving Pumpkins
Carving pumpkins is one of Halloween’s most beloved traditions, but it’s also one of the most dangerous Halloween mishaps, even for adults. To avoid serious injury:
- Don’t let little ones carve their own pumpkin. Instead, have them remove the pulp (both disgusting and fun) and draw their design or pattern on the pumpkin for you to carve for them.
- Remember that adolescents still need supervision. Just because their hands are bigger, doesn’t mean the knives are any less dangerous.
- Purchase a pumpkin carving kit so that you have the right equipment. A chef’s knife, a bread knife and even a paring knife are the wrong tools for the job.
- Even when you’re extra careful, accidents can happen. Make sure you know how to handle basic injuries and the proper way to clean a wound and apply a bandage.
Decorations
Almost 50% of Halloween fires start because decorations are too close to a heat source like a candle. You can avoid many of these Halloween mishaps by taking simple precautions.
- Avoid placing lit candles in carved pumpkins. Halloween costumes and decorations can catch fire easily, so look for battery-operated candles and tea lights instead.
- If you insist on using real candles, never leave them unattended. Be sure to test your home’s smoke alarms in advance of your celebrations, and make sure you have fire extinguishers on hand—and that you know how to use them.
Costumes
If you’re planning to wear a costume, or dress your youngster in one, you’ll want to make sure that it’s not only awesome but safe, too. If you’re planning to spend time outside:
- Decorate your costume with reflective tape so that cars and other pedestrians can see you.
- Incorporate glow sticks into your outfit so that you’re even more noticeable.
- Wear face paint instead of masks around the eyes to avoid obscuring your vision.
Trick-or-Treaters
If children will be visiting your home, you’ll want to make it safe, inviting and enjoyable for them. For many children, this is a night that they look forward to, so do your part to help make sure it doesn’t end in tears.
- Move all lawn hazards, such as your garden gnome or hose, closer to the bushes or indoors.
- Turn on your porch light and use outdoor lighting to illuminate your walkway, especially if it’s cracked in places.
- Move your porch decorations out of the way. Your collection of festive gourds may look great, but they won’t be so attractive if they’re trampled by candy-crazed youngsters.
- Keep pets secured in another room. Frequent use of the doorbell and masked guests can make dogs feel anxious or stressed. Stressed pets might nip, scratch or bite anyone who approaches them.
Haunted House
Creating a haunted house is the perfect way to bring Halloween to life for your family and friends. However, having your guests traverse dimly-lit rooms, where unknown beings may jump out, can easily turn light-hearted fun into a Halloween mishap horror story.
To prevent slips, trips and falls:
- Make sure all entryways, hallways, stairways and pathways are clear.
- Use tap lights or electric candles to light the floor so that your guests can see where their feet are headed.
- Affix decorations securely to the wall.
Halloween Pranks
It’s Halloween. You might get a treat, but you might also get a trick. These tricks can range from the more innocuous (TP-ing your trees) to the more damaging (egging your car) to the downright dangerous (breaking your windows). But, much like burglars, pranksters are less likely to act if they know you’re home. If possible:
- Stay home and turn on your indoor and outdoor lights.
- If it’s a nice night, sit on your porch and hand out candy from there. And make sure it’s a good treat to avoid retribution. Nobody wants a cucumber in their bag.
- Don’t turn off all your lights, even if you’re tempted to do so to ward off trick-or-treaters.
- Place your car in your garage. If you don’t have one, stay home and keep your driveway well lit.
Insurance Coverage
Even if you follow these tips to the letter, Halloween mishaps and mischief can still occur. Fortunately, your home insurance and auto insurance are likely to cover at least some of the damage that you might encounter. (That said, it’s always a good idea to double-check your coverage with your agent or carrier). Your insurance will likely help cover:
- Injured guests: Let’s say a makeshift wall in your haunted house comes loose and collapses onto a guest. As with any gathering at your home, your insurance will likely cover your injured guests’ medical payments. If that person decides to sue, and you’re found to be responsible for some portion of the injury due to your negligence, your liability protection will probably help pay for the expenses resulting from a lawsuit. (This is true even if the injured person is a perpetrator who is actively vandalizing your house when they are hurt).
- Fire: If a candle is left unattended and a fire starts, your dwelling, its contents and other unattached structures on your property are likely insured for damage and loss of use. But, as mentioned above, skip the candles to try to avoid calamity altogether.
- Broken glass: There are a surprising number of items that get thrown on Halloween including eggs, pumpkins and even candy that trick-or-treaters are displeased with. If the glass in the windows or doors around your home is damaged, the dwelling portion of your insurance will likely cover the repairs.
- Auto damage: Any damage to your car caused by malicious mischief or vandalism would be covered by the vehicle’s comprehensive (or non-collision) coverage. This means that if someone hurls eggs at your car, and you don’t discover it until the next day, your insurance will likely cover your new paint job if that’s in order. Similarly, if someone drops a pumpkin onto your car, breaking the windshield or denting the hood, that damage will probably be covered.
Now let’s have some fun! Use the comments to share a fun Halloween memory or favorite costume with other Extra Mile readers.
Read more: 13 of the Most Haunted Places in America
“Fortunately, your home insurance and your auto insurance ARE (not ‘is’) likely to cover at least some of the damage….”
Just updated this. Thank you for commenting!
Your tips about costumes forgot – if your child’s costume includes a long skirt or pants, check the length to be sure it isn’t a tripping hazard. If too long, sew, safety pin or even duct tape to a safer length for your child.
Good Halloween and Thanksgiving advice!
I always gave candy at Halloween but reconsidering all the sugar they contain plus the amounts eaten at one time, I found a new ‘treat’ accidentally. Having many youngsters one year, I was running out of candy. In my cupboard was a box of brand new hot chocolate individual bags just the right size for little hands. Putting the bags alongside the individual baked potato chip bags, the little hands went first for the hot chocolate bags. The next year I heard them say as I opened the door with my plastic pumpkin of treats for them, “Do you have hot chocolate treats?” Even the babes in arms reached for them. Who knew? Less expensive, too, than chocolate candy.
I appreciate the concern that most of the insurance companies give me!
Why can’t I stay home and turn off all my lights if I don’t want to participate? why is that not an okay idea?
With as many abductions occurring these days never allow your youngsters to go inside a home for treat, there could be a horrible trick awaiting.
Very good & helpful advice. We live in gated Senior Community and children come with parents on designated day and hours with mail boxes posted with ribbons to show which homes are giving treats.
If trick-or-treaters now throw candy they don’t like at the house or car of the person who gave it to them, I wonder why we hand out treats at all! There’s no way to predict who will like what candy, and not all kids will like the same kind.
Some towns now have organized trick-or-treating in a central location: a community center, main downtown street (closed to traffic), or town green. Often they include special events such as costume contests for pets, a haunted house, or a parade. I wonder if the incidence of vandalism is lower in areas where they do this. Has the insurance industry done any studies to compare?