To keep your house from being haunted with potential insurance woes, Wayne Ross, an insurance and claims expert for Aviva Canada, offers some Halloween preparation tips for preventing fires and other insurance claims:
• Practice fire safety: When setting up spooky electrical decorations and lighting, ensure that electrical outlets are not overloaded. Consider battery or solar powered Jack-o’-lanterns.
• Make sure your walkways are safe: Although darkness may set the Halloween mood, keep walkways well lit and obstruction-free to reduce the risk of injury and allow many goblins to walk through simultaneously.
• Check your insurance coverage: While homeowner policies generally will cover you and your property on Halloween, it is a good idea to contact your insurance broker to ensure that you have the right amount of coverage —especially with hundreds of small visitors to your home.
“It is the responsibility of homeowners to make sure their property is safe for visitors during the Halloween festivities,” states Ross. “By taking some precautions, homeowners can join in the celebrations and enjoy a safe night of fun with their families.”
While you’re planning for your Halloween haunt, talk your insurance broker or insurer to determine what you can do to keep trick or treating safe. More detailed information is available from your insurance broker or at AvivaCanada.com.
If you have any questions regarding home insurance and would like a referral to a broker or have question about mortgages please call 250 862 1806 or email me at [email protected].
This article is written by or on behalf of an outsourced columnist and does not necessarily reflect the views of Castanet.