Halloween is one of the most exciting nights of the year for kids — and adults too! From creative costumes and glowing jack-o’-lanterns to haunted houses and piles of candy, it’s a holiday filled with fun. But with all the excitement, it’s easy to overlook the risks that come with trick-or-treating, busy streets, and unfamiliar neighborhoods.

The good news? A few simple steps can keep the spooky spirit alive without sacrificing safety.

Plan Costumes with Safety in Mind

Before your child heads out the door, make sure their costume fits properly. Long hems can cause tripping, and masks that block vision can lead to accidents. Choose face paint instead of full masks when possible. Also, add reflective tape or glow sticks to costumes and candy bags to increase visibility after dark.

Stick to Well-Lit Streets and Trusted Routes

Trick-or-treat in familiar neighborhoods with good lighting. Sidewalks and crosswalks are your friends — remind kids to look both ways before crossing the street and to never run across roads. If younger children are going door-to-door, make sure an adult is with them at all times.

Keep Candy Safe

While it’s tempting to dive into the treat bag right away, wait until you’ve checked the candy at home. Toss anything that’s unwrapped, tampered with, or looks suspicious. For kids with food allergies, double-check labels before they snack.

Stay Alert While Driving

If you’re driving on Halloween night, go slow and stay alert. Kids can be unpredictable, especially when excited. Turn on your headlights early and avoid distractions behind the wheel.


Enjoy Halloween with Peace of Mind

Halloween should be filled with fun, not fear. With a little planning, you can keep your night safe and memorable. And if you’re hosting a party or have increased foot traffic at your home, now’s a good time to review your liability coverage.

Have questions about your homeowners or auto insurance? Call 816-847-1911 or message us @CombinedInsuranceServiceLLC on Facebook or Instagram. We’re here to help you stay protected — even on the spookiest night of the year.