Halloween is one of the most anticipated nights of the year. Trick-or-treating, candy, Halloween parties, scary decorations, and of course, fun and games. Ensure the safety of others and protect your home from liability claims that can spoil the fun.

Avoid Open Flames-Instead of real candles use LED tea lights or lights sticks to light up your Jack-o-Lanterns and to illuminate the driveway. Trick-or-treaters can easily knock over candles, injure themselves and potentially start a fire.

Confine your pets-For the safety of your pets and your guests, keep them away from your front door or areas where they might jump on or bite unfamiliar visitors.

Create a clear path and keep your lights on-Keep walkways and other areas around your home clear of obstructions and well lit so visitors don't stumble and injure themselves.

Practice Indoor Safety-Hosting a Halloween party for adults this year? Check your smoke alarms to ensure they're in good working order. Keep decorations like crepe paper away from open flames.

Think before you serve-Remember, YOU are responsible for the safety of guests visiting your home. Serve non-alcoholic beverages to your adult party guests and offer only commercially-packaged treats to trick-or-treaters. Check your homeowners coverage to make sure you are adequately covered for potential claims and lawsuits.

Assure Your Home Security-Won't be home on Halloween? Don't forget to set your security alarm system before heading out. This is a prime time of year for vandalism and burglaries. Be sure to activate motion sensitive lights and alert your neighbors that you will be away.

Happy Halloween!