Halloween Horrors for Homeowners

Halloween can be a scary time of year, but don’t let your home turn in to a horror show!  We are talking about protecting your home from two of the most common homeowners claims during Halloween: fire and trip and fall.  Accidents from knocked over candles can turn alarming quickly.

To prevent fire accidents:


  • Avoid any open flames!
  • Use flashlights or battery powered lights to give your jack-o-lantern or decorations an eerie glow
  • Inside and outside only use lights that have been tested by a reputable fire safety agency

Trip and fall claims can be numerous and scary on this spooky holiday.  Kids are wearing masks and costumes that are bulky and sometimes hard to walk in.

Here are a few simple steps to help prevent slip and fall accidents:

  • Install railings on you stairs (with most insurance companies this is a must or you will not be covered)
  • Keep your house and steps well lit for the trick or treaters
  • Properly light outside walkways
  • Keep cords and decorations close to the wall and out of the way
  • Clean up spills immediately…kids are pretty tricky with where they drop things, so be mindful of your walkways
  • Fix all broken steps: outside and inside (make sure stair rugs are properly secured)
  • And if applicable, properly shovel and use a non-slip ice melt

It is always a good idea to have an umbrella policy also. Our motto: You don’t need to be a millionaire to be sued for a million dollars! A $1M umbrella policy is an inexpensive way to give you that extra protection in case you have a slip and fall accident on your property and are sued. Call us for details www.mancuso-nowak.com.  Have a happy and safe Halloween!

As the Weather Cools Down, Don’t Let Your Fireplace Cause an Accidental Fire!

The cold weather is slowly settling in to our area. As temperatures drop, it may be time to start up the fire place. Your children may enjoy sitting in front of the fire on crisp cold nights and sharing fun stories. Your fire place may also be a central meeting area for guests and family members. Whatever the case may be, it is important to put safety first, or problems could ensue. The last thing you want to happen is damage to your home due to an accidental house fire.


Whether you have a wood, metal, or another type of stove, you should be aware of the potential accidents that could occur. This is especially true if the fire place is the primary source for heat in the house. Here are some tips that can help you and your family take the proper precautions for protection:

  • Before you light the first fire of the season, make sure your chimney has been inspected. This should be done by a certified specialist so no one gets hurt.
  • Never burn other materials in the fire place besides seasoned hardwood. Putting cardboard, paper, or flammable liquids in there is not a good idea.
  • Keep the front area of the fireplace clean by removing all flammable items surrounding it. Have your family help you keep this space organized and clear of debris.
  • Stack the firewood you use for the stove at least 30 feet away from your home. This is for safety so if a fire were to start, more damage will not occur.
  • Every year, make sure your smoke alarms and carbon monoxide detectors are functioning correctly.

At Mancuso-Nowak Insurance Agency, we hope these fireplace safety tips help you make it through the fall and winter with no fire problems. If a fire does grow out of control, immediately contact your local fire department. In addition, having the right level of home insurance can help protect you from financial loss when the unexpected occurs. The goal of our team is to make sure that Massachusetts residents understand their insurance options. Our dedication to your needs makes us different than the rest!