Decorations for special events, most often involving candles, such as those found in jack-o’-lanterns, account for an average of 800 home fires in North America, causing nearly $4 million in direct property damage every year.

To keep your house from being haunted with potential insurance woes, Wayne Ross, insurance and claims expert for Aviva Canada, offers some Halloween preparation tips for preventing fires and other insurance claims.

• Practice fire safety: When setting up spooky decorations and lighting, ensure that electrical outlets are not overloaded. Consider battery or solar powered jack-o’-lanterns.

• Make sure your walkways are safe:Although darkness and decorations may set the Halloween mood, keep walkways well lit and obstruction free to reduce the risk of injury and to allow many Halloween guests to walk through simultaneously.

• Check your insurance coverage: While homeowner policies generally will cover you and your property on Halloween, it is a good idea to contact your insurance broker to ensure you have the right amount of coverage – especially with hundreds of visitors to your home.

“It is the responsibility of homeowners to make sure their property is safe for visitors during the Halloween festivities,” states Ross. “By taking some precautions, homeowners can join in the Halloween celebrations and enjoy a safe night of festive fun with their families.”

While you’re planning for your Halloween haunt, talk to your insurance broker or insurer to determine what you can do to keep your visitors safe. Additional information can be found at www.changeinsurance.ca or by calling 1-866-My Aviva (692-8482).

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