Halloween is approaching. Kids and adults are looking forward to dressing up and going out to trick or treat in the neighborhood. With a little bit of planning you can ensure your ghouls and goblins have a frightfully fun time this year.
More than twice as many children are killed in pedestrian-car accidents on Halloween between the hours of 4 p.m. and 10 p.m., compared with the same hours on other days throughout the year, according to the National Highway Traffic Safety Administration. Police will be increasing traffic patrols on Halloween in order to keep our kids safe, and to catch drunk drivers.
Protect The Trick Or Treaters
Instruct your kids to never go into a stranger’s home.
When shopping for costumes, wigs, and accessories, look for, and purchase, items with a label clearly indicating that they are flame resistant.
Decorate costumes and bags with reflective tape or stickers and, if possible, choose light colors.
Make sure that any props your kids carry, such as wands or swords, are short and flexible.
Only go to homes with a porch light on, and never enter a home or car for a treat.
Children under the age of 12 should not be alone at night without adult supervision.
Don’t eat homemade candy unless you know the family.
Carry a flash light.
Inspect all wrapped candy. If it has been opened toss it out.
Set a curfew.
- Clean up your yard.
- Make a clear, well illuminated path to your door.
- Remember that a lot of Halloween decorations, like dried flowers, straw, and crepe paper are highly flammable. Make sure to keep your decorations away from all open flames.
- If you have a large display, make sure all electric cords are taped or secure to prevent tripping.
- Practice indoor fire safety by checking all smoke detectors. Make sure candles are placed in a secure area.
A Personal Insurance Update
Buying insurance for your home, auto, or business is one of the most important decisions you can make. Just ask the people of Houston, Texas. Currently, independent agents are on the ground helping their clients finalize their claims so they can get back to their daily lives.
We understand what is important to consumers when it comes to securing insurance. These are the things people feel are important when it comes to purchasing insurance: *
Ease of obtaining coverage
Speed of obtaining coverage
Peace of mind that everything is covered
Security of personal data
*Source: Adam Bishop
Here is how we help you with each of these
Cost – Independent agents have access to more markets and have better relationships with insurers, thus affording better pricing options for you.
Ease of obtaining coverage—We actually do all the legwork for you. You will not be routed to a call center, placed on hold, and then talk to someone who may not even be licensed.
Speed – It is easy to call or meet with us. We live in your community.
Peace of mind – We make sure that you are covered for what you need to be covered for.
Security – We make sure all your personal information is secure.
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Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage, and service. Homeowners insurance plays an important role in society. It protects your most important financial asset, your home. Remember, each homeowner’s insurance policy is different, and if you bought your homeowners insurance online, you may not have proper coverage.
What Can We Do to Help?
We have the benefit of being an independent agency. This allows us to search the market for the best possible combination of premiums, coverage and service. We compare insurance companies’ rates and use the competitive market to your advantage. Here are some ways to save on your premiums:
Purchase all your insurance through our agency.
Ask us about additional discounts.
Consider increasing your deductible.
Keep your home well maintained.
Replace your roof, water heater, and other equipment when needed.
Review your policy regularly. You may not need the same kind of coverage you did a few years ago.
Remember to call our office today. We will work hard for you.