It’s October and that means that Halloween is on its way!  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:

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?


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


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


  1. 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!


  1. 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.


And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call us today at 269-925-0611 to schedule a free review and detailed explanation of how we can keep your home and family protected.


Flaugh Insurance is an independent, family owned, local agent who writes with several national carriers. We can service all of your insurance needs no matter where you are located – Benton Harbor, St. Joseph, Stevensville, New Buffalo, Hartford, Coloma, Watervliet, Berrien Springs, and many more! Call our office today to review your insurance at 269-925-0611 or visit to fill out a FREE quote form 24/7!