Trick or Treat!

You’ll probably hear that a few times during these spookiest days.

Halloween isn’t just celebrated on October 31st. Many communities sponsor activities and events during the week leading up to the big day. Whether you go all out with decorations or enjoy others getting into the spirit, read our Tips to keep Trick or Treating and Halloween fun and safe for everyone.

10 Tips for a Fun and Safe Halloween

  1. Drivers need to be extra careful on the road. On Halloween, the streets are crawling with ghouls, witches, and other creatures. Individual kids and groups can pop up where you least expect them on dark roads. Take it more slowly behind the wheel and be more cautious.
  2. Take an adult along. Trick or treating isn’t what it was years ago. You need to be more careful in multiple ways. Even older kids need supervision. Adults can hang back so that kids feel independent, but they are still under your protective watch.
  3. Help your kids pick a safe and fun costume. Make sure that costumes and masks don’t obstruct vision. Be sure the costume material is fireproof or treated to be fire retardant.
  4. Be visible. Carry a flashlight and glow stick, and use reflective tape to help make kids more visible to drivers.
  5. Show and remind kids how to cross the street safely. Cross at marked intersections if possible and look both ways. If in a group, older kids should take the hand of younger kids. If there are no sidewalks, always walk facing traffic.
  6. Feed kids a good meal before trick or treating.  It reduces the temptation to eat candy before they get home. An adult should inspect all candy before eating it. Besides, there may be something good that needs “adult sampling.”
  7. Use cell phones to stay in touch with older kids who are going out on their own. Plan a route and be sure your kids know to stay within it. You would like to know where they are even with cell phone contact.
  8. Review everyday safety tips. Kids shouldn’t go inside the house of someone they don’t know. Don’t take rides from strangers.
  9. Know the details if kids are attending a party on their own. Make sure you’ve met the parents who will be supervising and get contact numbers.
  10. Discuss the difference between “tricks” and “vandalism.” No kid is perfect, and even well-behaved kids can bend to peer pressure. Throwing eggs at a house may seem funny, but it causes damage that can ruin Halloween.  Even pranks that don’t cause permanent damage, such as TP-ing, make a huge mess for a homeowner. If your kids are caught doing something, don’t clean up after them. Make them apologize and clean up themselves.  It’s how they learn right from wrong…and responsibility.

Read Other Blog Posts

Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.
Smoke Detector

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.
Flooding

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
Deer

Defensive Driving to Avoid Deer Collisions

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.
Driving Car

Factors Affecting Your Car Insurance Rate

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:
Insurance Policy

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.
Spam Phishing Scam

Recognize Spam and Phishing Emails

As more of our daily lives move into cyberspace, hackers, cybercriminals and spam bots may lurk behind every new message that shows up in your inbox. Even robust spam filters may not be able to catch every unwelcome email. Fortunately, you can act as an additional line of defense for yourself and your electronic devices by understanding the warning signs of spam and phishing emails.
Distracted Driving

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.
Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.

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.