The judge is in! Our delightful granddaughter is here to make sure you’re prepped for Halloween visitors!
Homeowner Guidelines Be sure your sidewalk is clear of debris, including leaves, when possible. You want to prevent falls. Turn the outside lights on, so children and parents know you want “trick or treaters.” Make sure you have adequate insurance protection. While a homeowners policy will provide adequate protection should someone get hurt on your property, you may want to consider an additional umbrella policy. “An umbrella liability policy offers much higher maximums than the underlying coverage. For a relatively low premium, umbrella liability policies usually provide an extra $1 million or more of coverage,” advises Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW). If you are not sure about the coverage you have on your home or whether an umbrella policy would be a good idea, contact your local, professional and independent insurance agent
Our lovely daughters send a throwback reminder to keep your children safe by following these tips!
Trick or Treaters
Children should always go out trick or treating accompanied by a responsible adult. If you have a group of kids going, the parents should choose two or three to go along and keep an eye on things. Instru
ct your child to never go into the home of a stranger or get into their car. Every town sets hours for trick or treating; some towns prefer daylight, while others allow kids to go at night. “If your kids are out in the evening, make sure they are visible – purchase or make bright costumes, add reflective tape to darker costumes and have the kids carry flashlights, so they can see sidewalks and where to step. Also, be sure to stick to the curfew times,” says Von Haden. “While reports of kids being harmed by eating Halloween candy have been exaggerated, it’s still a good idea to instruct your children not to eat any treats until they bring them home to be examined by you,” says Von Haden. This also gives you the chance to portion out the candy so kids don’t eat too much, especially that first night. Some communities offer parties or events that children can attend versus the typical “trick or treating.” For more information or to locate a PIAW member near you look for the PIAW logo or go to www.piaw.org