Halloween Parties And Your Home Insurance

October 3, 2011 by Leave a comment

Halloween is one of the most favorite times of year.  All kinds of events happen on this day, including Halloween Parties.  You will have your friend John dressing up like a giant banana and Suzie dressing up like Little Red Riding Hood.  Some people are going to have Halloween Parties this year.  Here are some things to think about before you host your Halloween Party at your home.

  • Make sure before hosting a party that you have a clear path from the street to your door.  Make sure there are no potential tripping hazards or delinquencies that could cause a slip and fall.  If you have snow on Halloween shovel your driveways, walkways and lay down salt in order to melt ice.
  • Make sure to confine your pets not only because people can trip and fall over them but you don’t want your pet to run away or get hurt.
  • Make sure all areas where people are going to be walking including dining room, living rooms, sidewalks, bathrooms and dens are well lit so people have a clear view of where they are walking.
  • Do not use open flames.  Even though this is a party killer, do not light candles because people have the tendency to knock them over and start a fire.  Use the electrical lights for your candles and your jack-o-lanterns.
  • If you are serving food, make sure that perishables don’t sit out too long.  You do not want your guests to get sick from food you serve.
  • If you are planning to serve alcohol, make sure you don’t serve your guests too much, and make sure they have a way home.  This can be a Taxi Cab or assign a designated driver.
  • Test all safety devices including fire alarms if applicable, test smoke detectors, and make sure your fire extinguisher is up to date.

In conclusion, a renter, a homeowner and a landlord can be potentially held liable for any incidents or accidents that occur on a property.  Make sure your homeowners, renters or landlord policy has enough medical payments liability coverage and premises liability coverage.  We recommend at least $5,000 Medical Payments and $300,000 liability coverage on homeowners. Also make sure that you homeowners doesn’t have an exclusion for liquor being served.  If you have any questions or would like a quote, please feel free to contact us.

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Unknown's avatarAbout Mark Schneider
I am a certified firearms instructor and use-of-force expert with extensive real-world experience in firearms, security, and defensive tactics. Credentials & Experience: 20+ years of owning, collecting, and shooting firearms. 12+ years in the security industry, including physical security, executive protection, workplace violence prevention, loss prevention, CCTV operations, access control, incident management, and threat assessment. Denver Police Verified Concealed Handgun Permit (CHP) Instructor. Authorized Trainer for Denver Security Guard Training. NRA Certified Firearms Instructor – Pistol, Concealed Carry Weapon (CCW), Rifle, Shotgun, Inside the Home (ITH), Outside the Home (OTH), Range Training & Basic Verification (RTBV), Chief Range Safety Officer (CRSO). USCCA Certified Firearms Instructor – Concealed Carry & Home Defense Fundamentals (CCHDF). Force Science Institute Certified – Use-of-Force Analysis. De-escalation Certified Instructor. Massad Ayoob MAG-40 Graduate. Sig Sauer Academy Graduate – Pistol 103 & Pistol 104. Law of Self Defense – Instructor Program Graduate. Dave Grossman Academy – Completed The Bullet Proof Mind, On Combat, and On Killing courses. Axon Taser Certified Instructor. OC/Pepper Spray Certified Instructor. PPCT Defensive Tactics Certified Instructor. Glock Armorer. Novice Gunsmith. Licensed Insurance Producer. HAM Radio Operator. 8+ years as a teacher and instructor in firearms, self-defense, and related disciplines.

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