Trick-or-Treat – Let’s Be Prepared This Halloween

Boo! Are you scared? From the haunted houses that make your heart jump to the horror movies that make you want to hide behind your pillows, Halloween can get pretty spooky this time of year. But, just remember, that those goblins and ghosts that try to frighten you are all pretend. Or at least you hope so, right?

Scary surprises are fun during this holiday, but the last thing you need is a surprise that wasn’t planned. Between hazardous electric wires strung on the exterior of your home to pumpkins getting in the way of your walkway, this holiday can get pretty dangerous – especially during the darkest hours of the night. Did you know that $12.9 million in direct property damage occurs each year in the U.S. on Halloween? Bankers Insurance Group wants to ensure that there are no scary mistakes for you during this time of year.

Have no fear! There are precautions that you can take to make this Halloween safe and fun for everyone. These quick and easy tips will keep you prepared for any surprise that creep up on you.

Don’t Decorate “Griswold” Style

Are you planning on having the most decked out house on the block? That’s fun, but let’s not have a “Clark Griswold” Halloween. If you’re buying lights, make sure that you purchase outdoor lights and outdoor extension cords because they can withstand severe weather conditions. If you’re planning on using lights that you found sitting around in your garage, inspect them for broken bulbs or frayed wires. Don’t chance if the lights look broken – just throw them away and buy new ones. Most importantly, make sure the lights have a UL (Underwriters Laboratories) mark as this means they meet safety standards.

Clean It and Clear It

Did you know that 15% of injuries on Halloween are from lack of visibility in the dark? Whether you’re having guests over or you have trick-or-treaters knocking on your door, it’s crucial that the pathway to your home is clear and visible. Between the decorations on your lawn and the dark night, people can easily trip and fall. No one wants to be liable for an injury, so add a light or two on your walkway and clear the way.

Avoid Candles

Candles might set the spooky mood, especially in jack-o-lanterns, but safety comes first. Use battery powered lights instead of real candles. They give the same effect without the dangerous risks. Better yet, set the Halloween mood with pumpkins, cob webs, and gravestones. Who needs candles anyway?

Are You Covered?

Imagine this:  A trick-or-treater slips and falls on your property. You’re panicking because you don’t know if you’re covered for slips or trips on your property. Call your Bankers agent today to find out what’s covered under your policy before it’s too late.

Don’t get too worried – Halloween will still be full of elaborate costumes, yummy candy and a whole lot of fun. It’s important to be aware of the dangers this holiday because you don’t want the fun to take a scary turn for the worst. Prepare now and reduce your risks later. With these tips and the proper coverage, you can feel confident when you gather your costumes and plann tricks that will scare your guests this Halloween. It’s all just a bunch of hocus pocus anyway, right?






Home is Where Your Pets Are

When you think of family, who do you think of? Parents, siblings, grandparents, but what about your pet? Your four-legged furry friend is always there for you when you walk through the door after a long day at work or even when you need some company watching your favorite TV show. You probably can’t imagine your life without your beloved pet, which is why it would be devastating if anything happened to them.

What if there’s an emergency and you have to evacuate your home? Or you just planned a week-long trip with your family? Have you thought of a plan for your pets? It’s just as important to make a plan for your animals as it is for your family members. Bankers Insurance Group cares about the safety of you and your family and wants you to be prepared all year long.

Here are some tips on what to consider when making a pet emergency or travel plan.

Emergency Plans

  • Find a Safe Haven

If you need to evacuate from your home, so do your pets. Identify emergency shelters and foster care centers for animals in your area. Make arrangements in advance with your friends or relatives to take care of your pets for the duration of your absence. If you decide to be with your pets during an evacuation, find hotels or motels that are pet friendly.

  • Emergency Kits

Always plan for the worst and pack as many supplies as you can. The must haves include:

  • First aid kit for pets
  • Enough food and water for 3-7 days
  • Collar & leash
  • Photocopies of medical records
  • Litter & disposable litter trays
  • Blankets & toys
  • Identification

What if your pet goes missing? It’s important that all animals wear collars with up-to-date tags. The tag should include your pets’ name, telephone number and urgent medical needs. Another great way to identify your pet(s) is through microchipping. ASPCA highly recommends microchipping as it’s more permanent and reliable. Any animal shelter will be able to find the identity of your pet by simply scanning the microchip.

Safe Travel Plans

  • Traveling by Plane

Choose a direct flight because it’s less traumatic for animals, especially since they will be confined in a crate during the flight. Your pet’s crate should be USDA approved and large enough for your animal to sit, stand and turn comfortably. Make sure the crate has proper identification including a photo of your pet, your name and phone number. When was the last time your pets got vaccinated? It’s required to have all of your pet’s vaccinations up-to-date prior to the trip.

  • Road Trip

Unfortunately, you can’t just load your pet in a vehicle and drive away. You need to properly prepare for a safe trip. With that being said, don’t let your pet ride loose in the vehicle. It might be fun for your pet, but it’s extremely dangerous. Your animal should be in a carrier case secured in a seat with a seat belt. Don’t forget to pack your pet emergency kit. Last, but not least, never leave your pet in a parked vehicle alone.

Be the owner that your pet looks up to. They always support you, so now it’s your turn to be there for them. It’s never too late to create an emergency and travel plan for your furry best friend. Get started now and be prepared all year long. To learn more about pet preparedness plans, visit: