Homeowners insurance blog

Keep Halloween a Treat for Kids

It’s that time of year again. The crisp fall air, the pumpkin patches … the nightmare-inducing movie commercials. That’s right, Halloween is almost here and while your kids are planning their costumes and mapping out the neighborhood, you should be brushing up on some Halloween safety tips.

Halloween brings its own set of unique dangers, which is why it’s important to prepare ahead of time. Having the neighborhood kids over? Expecting hoards of trick-or-treaters? There can be major consequences and sometimes even insurance implications in the event someone gets hurt.  So before you start hanging spider webs and filling the candy bowls, check out these kid safety tips for All Hallows Eve.


Between the darkness of night, going up to stranger’s houses, and cars on the road, trick-or-treating can get dangerous. Whether you are taking your little ghouls around the neighborhood or you’re on candy duty at your house, remember these tips:

  • When trick-or-treating, go out in groups and make sure there is always at least one trusted adult. Don’t allow children to roam even a trusted neighborhood alone.
  • Obey all the rules of the road and posted street signs. Instruct children – again – to stay on the sidewalk and make sure everyone looks both ways before crossing any streets.
  • Use flashlights, glow sticks or reflective tape to make yourselves visible to passing cars.
  • If you are expecting trick-or-treaters at your house, make sure pathways are well-lit and free from obstacles. Nobody wants to wind up dealing with a personal liability claim.
  • Inspect your children’s candy for choking hazards and tampering. Never allow them to eat homemade treats from a stranger.

Carving pumpkins

Nothing screams Halloween more than a freshly carved pumpkin and if you’re planning on making some Jack-O-Lanterns with the kiddos this year, you’ll want to take extra precautions.

Instead of letting the kids wield a knife, let them draw or trace their design of choice and keep the actual carving to an adult. Fake blood on Halloween ? Fun. Real blood? Not so much. Let’s keep this time honored tradition a safe one.

Fire safety

There’s nothing like the smell of a candlelit Jack-O-Lantern on Halloween night, but while we all love the spooky ambiance, it’s important to be fire safe. Keep Jack-O-Lanterns and other candles away from doorsteps, walkways, and curtains. As an extra precaution, check the smoke detectors in your house and change the batteries if necessary. Having a fire extinguisher on hand is also a wise idea.

Even if you don’t have children, keep safety in mind this holiday. Be on high alert for trick-or-treaters when driving through residential areas and make sure to have a designated driver if you plan on attending a “spirit-filled” costume party. Have a spooky – but safe – Halloween!