Protecting ourselves and our home from Halloween accidents

The good mood at home and the holidays go hand in hand. Halloween can be one of the most exciting and fun holidays. Like any major holiday, it also comes with potential dangers to you and your home.

Anything is possible - from overloaded electrical outlets that can cause a fire, to decorations that can be a stumbling block for the unwary "trick-or-treaters," it's important to approach with caution. What more helpful things can our company's insurers tell you.

Fortunately, if you have home insurance, it covers some common home accidents on Halloween, and on other holidays.

• Risk of vandalism. Experts say vandalism and theft-related insurance claims can rise this time of year. Your insurance policy will usually cover damage caused by vandalism. One example is egg throwing, which can cause damage to your home's facade. In the event of vandalism, it is important to document the damage quickly and file a claim with the insurer. Also, be sure to file a police report. This is a prerequisite for processing the insurance claim.
• Candles, lights, or decorations cause a fire. Fires are destructive and often tragic events that occur without warning and can have long-lasting effects on you and your home. It is important to know how to protect yourself from fires. This is especially important during holidays like Halloween, when decorations and lights create a festive mood, and also increase the risk of fire. Here are a few safety tips to keep in mind this Halloween:
           - Use LED lights instead of traditional candles in pumpkins and other decorations.

                 - Make sure all electrical devices are properly installed and not overloaded.

• Something on your property could hurt a "trick-or-treater." The homeowner's liability portion of your policy usually covers injuries to eager trick-or-treaters or guests at your party. Place decorations so that they don't block spacet

Let the holiday remain fun by avoiding unnecessary incidents. Choose AxiHome Insurance, a combined home insurance package that provides insurance protection for your home. Happy celebrations!