Archive for the ‘pumpkin’ Tag

Homeowners Halloween Horrors   Leave a comment

Image

When zombies, Snookies, and Lady Gagas storm your front door this weekend, don’t fear! Your homeowners insurance will protect you from Halloween mishaps.

Halloween is all fun and games until a trick-or-treater trips, knocks over your jack-o-lantern, and sets your front porch on fire. Fortunately, most homeowners insurance policies cover these common Halloween home mishaps:

  • Tricksters damage your home. Standard homeowners policies cover vandalism, such as dents in your siding caused by eggs thrown at your home, when repair costs exceed your deductible.
  • Candles or decorations cause a fire. A fire started by a Halloween candle or a string of holiday lights will be covered. If the fire makes your home unlivable, your homeowners policy will pay your living expenses while you wait for repairs.
  • A trick-or-treater gets hurt on your property. Injuries to trick-or-treaters or your party guests are covered by the homeowner liability portion of your policy. The injured person files a claim with your insurer.
  • You crash your car into a telephone pole to avoid hitting a trick-or-treater in your driveway. That accident would be covered by the collision portion of your auto insurance (if you have it). If you hurt anyone, the liability portion of your auto insurance would cover the cost of their treatment.

If everything on this list of Halloween home horrors occurred, your umbrella insurance would kick in to cover costs — if you have it.

To make your property safe for Halloween, the Insurance Information Institute has these recommendations:

  • Pick up anything in your front yard, sidewalk, stoop, or porch that a person could trip over.
  • Turn on your outdoor lighting so kids can see where they’re going.
  • Use battery-powered lights in your jack-o-lanterns.
  • Don’t put matches, lighters, or candles in places children can reach.
  • Pets, candles, and trick-or-treaters don’t mix. Keep pets away from the front door on Halloween.
  • Look for safety certifications, such as UL (Underwriters Laboratories), on your decorative lights.

Courtesy Houselogic.com

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”

Advertisements

Posted October 30, 2013 by leecountyinsurance in Uncategorized

Tagged with , , , , , , ,

Pumpkin Safety   Leave a comment

Pumpkin

Safety is key when you’re pumpkin carving with the kids for Halloween. These tips from Pumpkin Masters will help!
When you’re carving pumpkins, having fun is key — but the most important thing to remember is safety, especially with kids. After all, you want to carve the pumpkin, not yourself!
Here are five safety tips to ensure a safe — and fun — pumpkin-carving session with the little ones.

1. Create a safe workspace.
Set out your carving materials on a well-lit, dry surface. Make sure everyone has the tools they need right in front them, and that kids can reach the space easily.

2. Choose the right tools.
Using household kitchen knives can be dangerous, especially for children, so we recommend carving tools specifically designed for kids, which has a larger handle that makes it easier for little hands to grip and maintain control.

3. Point the blade away.
No matter which carving tool you’re using, point the blade away from you as you carve. If your hand slips, you’re less likely to get hurt.

4. Saw, don’t slice.
Instead of using a sweeping movement, like slicing, try gently sawing through the pumpkin as you carve. Go as slowly as you need to avoid slipping.

5. Watch your hands — and others’!
Be mindful of where everyone’s free hands are when carving. Whether you’re carving yourself or you’re holding a pumpkin for someone else, keep one hand on top of the pumpkin instead of on the side. That way it’s within sight, which will decrease the risk of poking or slicing through the pumpkin — and into someone’s hand.

6. Illumination:
Small battery powered LED lights are much safer than traditional candles. They won’t burn you or your pumpkin.

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”

Posted October 17, 2013 by leecountyinsurance in General Info

Tagged with , , , , , , ,