Halloween isn’t just for kids.  All you have to do is drive around and see the decorations, and you’ll know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended.

Insurance may not come to mind as you’re planning your costumes or decorating your home, but certain risks are involved, especially if you invite people into your home or onto your property.  Also, if you’re driving on Halloween, you must also take precautions.

8 Tips for Halloween Safety Around Your Home and On the Road.

  1. If decorating with lights, ensure all electrical plugs are in good order. Throw out any strands or cords that are frayed or not working correctly.
  2. Candles often add to the spooky quality of decorations. Be extremely careful with open flames. You don’t want them to catch on decorations or clothing. Don’t leave open flames unattended. Consider using battery-operated candles, which can even have a realistic flicker, to light pumpkins and other displays.
  3. If carving pumpkins, make sure that kids are closely supervised around knives. Don’t try to rush doing this at the last minute…sharp knives and moving fast are a recipe for disaster.
  4. Make sure driveways and walkways are well-lit. While dim lights may add to the spooky feel, it can also be dangerous if people can’t see where they are going. Nothing can spoil the fun more than a lawsuit because someone tripped, fell, and was injured.
  5. If you set up a significant “haunted house” at your home and invite neighbors and friends to walk through, you may want to consider increasing your liability limits.
  6. Having a party? Put away breakable items that could be accidentally damaged. If you’re serving alcohol, take precautions to limit your liability exposure. Speak with your insurance agent, as you may need additional protection.
  7. Attending a Halloween party? Be safe. If alcohol is being served, have a designated driver. Don’t drink and drive.
  8. Drivers, be extra careful if you’re out on Halloween. Dark streets and kids/groups walking on roads where you might not usually see a lot of pedestrians can be a dangerous combination. Drive defensively.

Have a spooktacular Halloween!

Read Other Blog Posts

Be Ready for Severe Winter Weather Snowstorms, Ice, and Extreme Cold

Be Ready for Severe Winter Weather: Snowstorms, Ice, and Extreme Cold

Severe winter storms can bring heavy snow, ice, and extreme cold. Learn how to prepare your home, protect your vehicle, prevent frozen pipes and power outages, and take practical steps to keep your family safe during harsh winter weather.
Chimney

Chimney Maintenance Is Essential

A well-maintained chimney is essential for keeping your home safe, as neglected chimneys are a leading cause of fireplace-related fires and carbon monoxide issues. With an estimated 20,000 chimney fires occurring each year in the U.S., routine inspections and cleanings play a critical role in reducing creosote buildup and preventing costly damage. By making chimney care part of your annual home-maintenance plan, you’ll protect your property and ensure your fireplace operates safely all season long.
Woman buying a car

Shopping for a Safe Vehicle

When shopping for a new vehicle, safety should be a top consideration. This brief guide outlines key safety features—from crash protection to advanced driver assistance systems—and explains how they can impact your insurance costs. Understanding these factors can help you make a smarter, more informed purchase.
Operating Under the Influence (OUI) Will Cost You Money

Operating Under the Influence (OUI) Will Cost You Money

An Operating Under the Influence (OUI) conviction is more than a legal problem; it’s a financial disaster. Between fines, court fees, license costs, higher insurance premiums, towing, and lost wages, one mistake can cost you between $11,000 and $30,000. The best way to save? Don’t drink and drive.
Fresh Look at Personal Insurance SMM

A New Year, A Fresh Look at Your Protection

A new year is the perfect time to review your insurance and personal risk management. Life changes, rising costs, and growing responsibilities can all affect your coverage needs. A quick annual check can help ensure that you and what matters most are properly protected.
Car side-view

How Deductibles Affect Auto Insurance Premiums

Learn how your auto insurance deductible impacts both your premium and your protection. Choosing the right deductible can help you balance monthly costs with what you would pay out of pocket if an accident or covered claim occurs, giving you better control over your coverage and budget.
Murphy Insurance Agency Supporting Local Charities Through Employee Generosity

Murphy Insurance Agency Supporting Local Charities Through Teamwork

Murphy Insurance proudly supports local charities making a meaningful impact across our communities. Through agency contributions, employee generosity, volunteer efforts, and seasonal drives, we help provide comfort, care, and essential resources to families in need.
Dennis Blog

The Murphy Insurance Difference

As a third-generation, family-owned agency, Murphy Insurance has always believed insurance should be personal. From thoughtful guidance and access to top-rated carriers to hands-on support when it matters most, we are committed to protecting the families and businesses we serve. Built on trust since 1937, our focus remains on long-term relationships, honest advice, and helping our clients feel confident at every stage of life.
Keyhole

Make Home Security A Top Priority

Keeping your home and family safe should be one of your top priorities. Specifically, it’s important to protect your household from the risk of invasion. Fortunately, there are several things that you can do to bolster the security of your home. Consider these top security measures.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.