Make Halloween Safe for Everyone

pumpkin-995416_1920In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.  A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.

Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Provide healthier treats for trick-or-treaters such as low-calorie treats and drinks. For your guests, offer a variety of fruits and vegetables.

Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.

Keep candle-lit jack o’lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.

Remind drivers to watch out for trick-or-treaters and to drive safely.

Safety tips for kids

Never, ever, go into a house.

Costumes should be short enough to prevent children from tripping and falling

An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends.  Never go out alone.

Only go to homes with a porch light on.

Plan costumes that are bright and reflective.

Do not eat homemade food.

Examine all candy.  If it has been opened, toss it out.

Use a flashlight.

Apple Insurance Specialists is an Austin-based independent insurance agency offering a wide range of cost effective solutions to individuals, families and businesses.

Sources: http://www.nsc.org/, https://www.aap.org, https://www.cdc.gov

Can Life Events Impact Your Insurance?

Most of us buy insurance in this order; auto insurance, renters’ insurance, home insurance, and then life insurance.  However, many of us do not think about how the events in our lives may affect our need for different kinds of insurance.  As your life changes, the need to protect your life, investment, and family also changes.

Here are some major life events that will affect your need for personal insurance

College –– If you have a child heading off to college, you may need to update your auto and home insurance.  If your child has a car, the rates may be less in the city of the college.  You will need to notify your insurer regarding the new location.  In addition, if your child is renting, you may need to provide renters’ insurance to the property owner.

Retirement – If you had commuted regularly to your job, your mileage has likely plummeted in retirement.  If so, you should report it to your auto insurer to significantly lower the cost of your auto insurance premiums.  In addition, you will need to consider other insurance options.

Marriage or Divorce –– Changes in marital status, or even just moving in together, means the combining of households, cars, and other property, so you’ll want to update your insurance policies accordingly.  Are you both protected? Are coverage limits adequate?

Having a baby –– When your family grows, you may want to consider life insurance to protect your loved ones.  Life insurance can provide the financial security for many years, and give you peace of mind.

Moving –– Whenever you move, you will need to update your auto and home insurance.  New addresses may actually lead to lower costs.

Home Renovations – If you have made major improvements to your home, such as adding a new room, enclosing a porch, or expanding a kitchen or bathroom, report those changes to your insurance company.

Apple Insurance Specialists is an Austin-based independent insurance agency offering a wide range of cost effective solutions to individuals, families and businesses.