Whether you are having a party or just handing out candy to trick-or-treaters, Halloween is certainly a fun time for all. However, it is important to take a few precautions before the festivities begin to ensure nobody gets hurt. Consider these three tips for keeping your guests safe.

#1: Keep a Tidy Yard

Keeping a tidy yard is definitely important around Halloween. Eliminate any hazards on your property that pose a risk of injury, such as a low hanging tree branch, a garden hose that could be tripped on, or a loose landscaping brick. Make sure any plants that can snag on clothing and costumes are also trimmed back accordingly.

#2: Turn On the Lights

As the evening festivities are getting started, it is time to turn on the lights. Keeping a well-lit home not only lets parents know that your home is handing out candy, it can help keep little ones from being injured on the way to your door. Use any exterior lights you have, but be cautious about using candles and other decorative items as a lighting source as they pose an increased fire risk.

#3: Protect Your Pets

One more important thing to consider this Halloween is where you will keep your pets during the evening. Many dogs and cats are easily spooked by small children coming to the door, which may cause them to try to get out each time a new visitor arrives. Instead of running the risk of your animal biting someone or becoming lost, it is always a good idea to have a plan in mind of where you will secure the pet until the fun is over.

Another important tip? Make sure you have the proper level of homeowner’s insurance coverage. Each time you have visitors at your home, you run the risk of having a liability claim. This rings true even if the guest is only on your porch for a moment or two to collect candy—i.e. trick-or-treaters. For more information on coverage or for a no-obligation insurance review, please contact us at Hart Insurance today.

Buying home insurance for your home in Federal Way, WA is of the utmost importance. If you have a mortgage it is not only required, but also helpful in the event that something should happen to your home.

It can be intimidating to find a home insurance policy because you want to make sure you get the maximum level of coverage. You want to be covered for such things as:

– Fire/smoke damage
– Theft
– Flood/water damage
– Storm/snow damage

All insurance companies who are licensed to issue home insurance policies in Washington must provide actual-cash value coverage. You can also choose to get replacement-cost coverage, but you will need to specifically request it.

The type of policy you buy is going to depend on your type of dwelling, such as single family home versus condo, mobile home, or ranch.

There are various details you will want to know about, which is why it is advantageous to work with independent insurance agents. Our agents are knowledgeable and can walk you through all of the different coverage options. We can also talk to you about what happens if you rent your home out, such as suggesting renter’s insurance to the tenants.

Buying a policy doesn’t have to be a complicated process. You simply need to know when to ask for help, and that’s where we come in. We will show you how the different insurance companies vary within the marketplace and obtain quotes from multiple companies so you can compare more effectively.

Make the call to talk to one of our insurance agents today at Hart Insurance Agency. We can help you to find a good policy at an affordable price without having to do all of the work on your own. You can have quality coverage, too.