The Trick to Having a Safe Halloween

Boo! Halloween is almost here – Are you ready for a safe, fun holiday? Follow these safety tips for an enjoyable night of tricks and treats.

Girl with pumpkin cutout mask during Halloween

Halloween is approaching quickly! This night of tricks and fun is a fantastic opportunity to decorate your home, have fun with the kids, and enjoy a few spooks on the side.

Over half of Americans celebrate Halloween, and the average person spends more than $100 on the holiday. Of course, the fun ends when someone gets hurt or when property damage results. In fact, Halloween house fires account for more than $11 million in property damage every Halloween, and pedestrian fatalities are 43 percent higher on this day than on other days. All fun is lost for those who are unfortunate victims of Halloween accidents.

There are ways to avoid these types of incidents. Below are some best practices for having a safe and enjoyable Halloween.

Maintain a Safe Lawn

Poorly placed Halloween lawn decorations can be a hazard for trick-or-treaters and their parents. Prioritizing safe placement for Halloween lawn decorations can prevent injuries and other damages.

Keep decorations away from walkways. Give trick-or-treaters a safe path to your front door by keeping decorations and electrical cords off walkways. If you must drape an extension cord over your sidewalk, tape it down or use an extension cord cover to prevent trips and falls.

Keep your lawn well-lit. Use bright twinkle lights and garden lighting to ensure that visitors to your property can see where they’re going. Make a particular point of lighting the path to your front door.

Inspect your lawn before the big night. Inspect your outdoor decorations before Halloween night to ensure your property is safe.

Make repairs as indicated below:

  • Remove any decorations that may have fallen over walkways.
  • Replace broken strands of lights to maintain a well-lit pathway.
  • Walk through your property after dark to ensure trick-or-treaters can see well enough when coming to your front door. If you can’t see well enough, they can’t either.

Lock Up Once the Fun is Finished

Lock up your home and garage once trick-or-treating is finished. Pull your car off the street and park it in your driveway or garage. Lock your front and back gates to keep stray tricksters off your property.

Be Fire Safe

Use battery-powered candles in your jack-o-lanterns and decorations. If using real candles for any reason, keep flames away from flammable objects. Never leave lit candles unattended. Replace batteries in smoke detectors as needed.

When Out of the House, Keep Your Property Safe

Whether you’re leaving the house to go trick-or-treating or leaving for the night, these tips can help keep your property safe from tricksters and intruders.

  • Leave lights in your house on even if you’re not home. If you’re out of town, put your lights on timers, so they’ll turn on in the evening and turn back off when it’s daylight.
  • Don’t tell many people if you’re leaving town. Don’t announce on social media that you’ll be going out of town, and only tell people who you trust when you’ll be away.
  • Maintain contact with trusted neighbors. If you trust your neighbors and know they’ll maintain a watch over the neighborhood, stay in touch with your neighbors while you’re out. Have them keep you in the loop about the goings-on and suspicious behavior.

Trick-Or-Treat Safely

Avoid trick-or-treating hazards like slips and falls.

  • Maintain clear vision. Have the kids try on their costumes in advance to ensure they can see through their masks.
  • Wear safe costumes. Brightly colored costumes are best. If your kids have darker-colored costumes, attach reflectors to the exterior to ensure your kids are visible. Buy costumes that fit, and avoid costumes that hang down below the ankles or drag on the ground.
  • Light the path. Bring bright flashlights while trick-or-treating, and take a route with established sidewalks.

Check Your Homeowner’s Coverage

Protect yourself this Halloween with proper homeowner’s insurance coverage. Contact your insurance agent to check your policy and coverage.

Insurance Coverage for Your New Car

Man smiling from the window of his new car

Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off your list: the right car insurance.

While some auto coverage options are essential whatever the age of your car, new vehicles may carry some additional risks you should know about. So before leaving the lot, give us a quick call to discuss the possible coverage options: 

New vehicle replacement. Here’s how this coverage works: If you’re the original owner of a new car that is totaled or stolen within one year of purchase, you’ll be paid the full value of the car you lost or a comparable model. Without this policy, you may have to settle for something less than new. Please note that this coverage is included with certain Safeco auto policies.

Loan and lease coverage. Consider what could happen if you financed your new car and then it was totaled or stolen soon after buying it. Not only would you lose your new ride, but you’d also still be on the hook for your entire loan balance — which would be more than the car was worth. With loan and lease coverage, you’d get a check to cover the gap between what’s left on your loan and the depreciated value of your car.

Audio-visual and custom equipment coverage. If you’re an avid music fan who enjoys a custom sound system or DVD player, this coverage protects you for the full value of any A/V equipment not installed at the factory or dealership. It also covers such modifications as roll bars, certain custom engine parts, lift kits, special wheels, artwork, decals, and other personal touches.

OEM parts replacement. OEM (original equipment manufacturer) parts are often preferable to other aftermarket parts because they are made specifically for your make and model of vehicle. So if you want your Honda repaired with Honda parts, or your Mercedes to only have official Mercedes parts, this coverage is for you. When you buy this optional coverage, it’s added to your existing Comprehensive and Collision coverage so that all repairs or replacements made to your damaged car will include new OEM parts where available.

You invested in a new car. So be sure your investment extends to the right auto policy as well. To learn more about protecting your new vehicle, give us a call today!

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user OakleyOriginals used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

Home & Auto Insurance Have Increased & We Explain Why.

Home and Auto Insurance in Seattle, WashingtonInsurance premiums are calculated based on how much it will cost to replace or repair your home or vehicle as well as your overall risk. Your overall risk is broken up by several factors that can impact your auto insurance such as your driving record, claim history, age, credit score, zip code, the make and model of your car, and the type of insurance coverage limits & deductible you choose. Your home insurance premium factors can be based on the age of your home & condition, your zip code, credit score, home safety features, the coverage limits & deductible you choose, claim history, and more.

We are seeing a trend that many customers continue seeing an increase in auto and home insurance premiums at renewal, even if their overall risk has not changed.

Home insurance has increased because construction costs have gone up due to a shortage of building materials and labor. Not only has there been a shortage in materials and labor, but the cost of materials and labor wages have also increased. Lastly, there has been an increase in home insurance claims due to natural disasters. Anytime an insurance carrier experiences an increase in insurance claims, they will increase their future premiums for customers. This can even extend across state lines.

Car insurance has also gone up for several reasons such as more accidents occurring, a shortage of skilled labor, and car parts have increased in price. All these factors make insurance premiums more expensive.

If your home or auto insurance policy premium increased significantly at renewal, don’t panic & give us a call. We represent the top insurance carriers, which means we work for you. We have the ability to shop your current coverage with all of our carriers & provide you with several quotes. This gives you the option to have competitive prices, as well as several choices.

We can also provide you with professional insurance advice. We always want you to have plenty of insurance coverage to ensure you are protected in the event you have to file a claim.

Here are some things to consider when it comes to lowering your premium: 

1.) Bundle your home or renters insurance policy with your car insurance.

2.) Stay on top of home maintenance to lower your risk of a claim. A few areas to assess are your roof, plumbing and electrical. Insurance claims can impact your future insurance premium so if there is a way to prevent a claim, this is crucial.

3.) Talk to your agent about an insurance review. When you increase your deductible, your premium gets lowered. Please note if you do experience a home insurance claim, out-of-pocket expenses would be increased due to a higher deductible.

4.) Ask for a re-quote with other carriers. This is a big advantage of working with a local, independent insurance agency. We have many choices for insurance!

Contact our agency today with any questions or concerns you have about your insurance policy.