Witches, ghosts and goblins are ready to come out and scare tomorrow night! But before you journey out for a night of trick-or-treating, be sure to follow these helpful tips to ensure this fun-filled evening happens safely!

  1. Prepare your child’s costume to guarantee they can be seen at all times. This can be done by adding reflective tape or providing them with glow-in-the-dark jewelry. As the night falls, it will be harder for drivers to see children, so remind them to keep their protective wear on at all times.
  2. Remind them never to enter a stranger’s home. Ensure them it is alright to approach a fully-lit home, but tell them that under no circumstances should they go inside.
  3. If traveling with friends, make sure they stay with them the entire evening. It is important your children understand never to travel alone and to have a friend or adult with them at all times. In addition, help to plan your child’s route and remind them to follow it strictly.
  4. Follow basic pedestrian safety rules. Make sure your children know to stay on sidewalks, cross only at corners and be aware of the traffic before crossing. Remember, it is much easier for your children to see a passing car than for a car to see them.
  5. Be sure to check all candy prior to eating. Remind your children that they cannot eat any candy until they come home and have you inspect it first. Be sure to check for any tampering or opened wrappers. To avoid having kids eat their candy during the evening, feed them a well-balanced meal prior to the start of the night.

Halloween is an exciting time for children, but it can also be very dangerous for them as well. Be sure to review these tips with your little ones and make sure they understand the importance of sticking to them. At OceanPoint Insurance, protecting your family is our top priority, so call us for any questions concerning this article. From all of us at OceanPoint, have a Happy Halloween!

As the inevitable occurs and snow begins to fall, we want to be sure that your home is fully prepared for all that winter may bring. In order to best protect your home, be sure to follow these tips to save yourself time, money and energy this season:

  • Prepare your fireplace: If it has been some time since you last tended to your chimney, call a professional to remove the soot and creosote in order to prevent fires. Cap or screen the top of the chimney to keep out rodents and to stop birds from forming nests. Finally, if your fireplace functions by burning wood, be sure to purchase it ahead of time and store it in a dry place.
  • Clear your gutters of all leaves and debris: If your gutters are clogged, water that is trapped inside can freeze in the winter, causing ice dams and damage to your gutters and roof. Be sure to rake away any potential hazards and keep them free all winter.
  • Keep heat inside the home: Reduce costs on your energy bill by filling in any gaps in the foundation. Caulk and weather-strip your doors and windows, install storm windows or cover them with plastic from the inside to prevent heat from leaving the home.
  • Purchase all necessary equipment before winter hits: Stock up on shovels, rock salt and ice melting materials. Prepare and store an emergency kit in the event that a storm occurs, and be sure to have enough blankets and flashlights for each person in the home. Winter can cause substantial power outages, so it is always a good idea to prepare yourself and your family for these instances.

No home is fully prepared without the proper homeowner’s insurance. Call your OceanPoint Insurance agent today to discuss what is likely to happen during extreme weather conditions and to bring peace of mind knowing it is properly covered.