Uber Comes to Portland Maine: Are Uber Drivers Insured?

Name: Noyes Hall & Allen Insurance
Address: 170 Ocean St, South Portland, ME, 04106
Telephone: 207-799-5541

Posted on October 3, 2014November 9, 2017 by admin

Rideshare service Uber began operating in Portland Maine at noon on October 2. Uber and its top competitor Lyft are innovative, efficient, popular – and controversial. Everywhere Uber and Lyft pop up, local lawmakers scramble to address it. Taxi operators and other livery drivers rail against it. And insurance companies caution drivers who might think about joining the Uber fleet.

Are Uber Drivers Insured?

If they have a personal auto policy, their own insurance will not cover them while they’re driving someone for a fee. Period. Every PAP excludes coverage while a vehicle is being used as a “public livery or conveyance“, which basically means driving others for hire. An Uber driver in an accident shouldn’t count on their personal insurance helping out.

You can’t blame insurance companies for that. If you’re driving for Uber, you’re probably driving more miles and hours than you otherwise would. You might be in areas unfamiliar to you, under time constraints, and at hours with higher congestion or impaired operators on the road. All of those increase the likelihood you could have an accident.

The Good News
Uber’s web site says that the service provides a commercial insurance policy with a $1 million limit per incident, including uninsured/underinsured motorist coverage. That’s more than 90% of drivers in Maine have. It also provides $50,000 of “contingent comprehensive and collision insurance”, which should pay for repairs to an Uber driver’s vehicle as a result of an accident during an Uber trip.

Not So Good News
Uber’s insurance drops to to $50,000 per person for bodily injury and $25,000 for property damage “between trips” – the absolute minimum limits allowed in Maine. That’s inadequate for most people who want to protect their assets or future earnings from an expensive lawsuit.

Uber says that most auto insurance policies will provide coverage during the time that the driver is logged on available for hire but between trips. Talk is cheap. Don’t count on an insurance company seeing it the same way. When presented with a claim, expect an insurance company to say you were engaged in livery, just not actively driving someone – and deny your claim.

What Kind of Insurance Should an Uber Driver Have?
The only type guaranteed to cover you is a business auto policy, rated as livery use. If you insure your car with Maine commercial vehicle insurance and are upfront about your Uber driving, you should be covered.

Is Uber Rideshare Service Safe to Use?
If you’re thinking of taking a ride from Uber, you can expect that the driver has insurance while you’re in the vehicle. That includes if you’re hit by someone with no insurance. If you have a personal auto policy, you also have Medical Payments coverage (usually $5,000 or less) for minor medical expenses.

If you have questions about Portland Maine auto insurance or Maine business insurance, contact Noyes Hall & Allen at 207-799-5541. We’re independent and committed to you.

Insuring a Maine Condo Rented to Others

Posted on April 2, 2014March 27, 2019 by admin

Do you need to insure a condominium in Maine that you rent out as income property? Insuring condos can be complicated. Your condo association has a master insurance policy. You have a unit owners insurance policy. Your tenant should have renters insurance. Which policy pays if your unit suffers water damage, fire, or other covered loss?

What’s Insured by the Condo Association Master Policy?

The master policy will cover building portions as prescribed by the bylaws that govern the association. Some associations insure the entire building complex (known as “all in” in insurance jargon). Others require a unit owner to insure the interior of their unit, everything inside the studs. Still others only require the unit owner to insure improvements and betterments made to the condo after it was built. Check your association bylaws and insurance policy to see which applies to you.

What’s Insured by Your Unit Owners Policy?

Your policy will cover items not covered by the association’s master policy. This might include improvements to the unit or the association deductible. Condo bylaws can vary greatly. It’s important to consult a Maine insurance agent who knows how to insure condominiums. They should understand your bylaws and your association’s insurance policy to help you buy proper coverage.

Many insurers issue condominium unit owners policies for rented condos. Others may use a Dwelling Fire insurance form, with customizing endorsements. As long as they are tailored to your situation, either should provide acceptable coverage.

Make sure that the owner of your condo unit is listed on your policy. If you set up a trust, LLC or other entity, if they’re not listed, they’re not covered. This is especially important in case of a liability claim involving your condo unit.

What’s Insured by Your Tenant’s Renters Insurance?

Your tenant’s renters insurance policy covers their “stuff”, such as furniture, clothing, and computers. Your policy will NOT pay for this damage. Neither will the association policy. Save yourself from conflict; require your tenants to buy renter’s insurance.

Questions About Condominium Insurance?

Insuring a Maine condominium can be complicated. Noyes Hall & Allen Insurance serves dozens of Southern Maine condominium associations from two-unit conversions to 100+ unit complexes. If you have questions about condo insurance, contact a Noyes Hall & Allen Insurance agent at 207-799-5541

Renting Your Home? Get Landord Insurance.

Attention Renters: $0.50 a Day Makes All the Difference

Should I Cancel My Maine Auto Insurance When I Sell or Won’t be Driving My Car?

Posted on January 26, 2014November 9, 2017 by admin

It seems simple: why would I have auto insurance if I don’t own a car? Or if I’m storing it for a long time? That’s a waste of money! Believe it or not, it may make sense to maintain your auto insurance, depending upon your future plans.

Of course most of us know better than to cancel our auto insurance when we own a vehicle. It’s illegal to drive without insurance in Maine, and foolishly risky everywhere. But there are cases when responsible people consider letting their Maine auto insurance lapse.

You’re Not Going to Use Your Car for a Long Time

You’re going on a long trip, sabbatical, or a semester abroad. Your car will be parked while you’re away. It’s tempting to save money by canceling your auto insurance, and start it up again when you return. Here are some things to keep in mind.

Someone may need to borrow your car.
You may want someone to drive it occasionally to keep it lubricated, rotate the tires, and prevent animals from nesting in it (it happens).
Things can still happen to a parked car. Trees fall, garages collapse, cars get stolen, vandalized, or damaged by people parking next to it.

You’re Selling Your Only Vehicle

Our Portland Maine area insurance agency recommends that you at least consider a “named non-owner” policy – especially if you’re likely to be without a car for less than a year. Here’s why:

1) You Might Drive Someone Else’s Car. In the U.S., you’re borrowing someone’s insurance when you borrow their car. But do they have any? If so, how much? Without a named non-owner policy, you would be personally liable if they don’t have insurance, or don’t have enough to pay for the damage you cause.

2) You Could be Hurt as a Passenger, Pedestrian or Cyclist. Your auto insurance provides medical payments coverage in case you are hurt in a car accident. This applies whether you’re a pedestrian, passenger or cyclist. A $5,000 limit would probably be enough to cover your medical insurance deductible.

3) You might rent a car. A Maine named non-owner policy would provide liability coverage for vehicles rented in the U.S. You’d still want to buy the Collision Damage Waiver coverage offered by a rental agency, but wouldn’t need to buy their liability insurance.

4) You’ll Pay a Much Lower Rate When You Do Buy Another Vehicle. Insurance companies charge a higher premium if you have not had continuous liability insurance. People who have a lapse of more than 30 days typically pay a surcharge, and are ineligible for most preferred insurers’ policies until they’ve had continuous insurance for a year.

What is “Named Non-Owner” Auto Insurance, and What Does it Cost?

Named non-owner auto insurance provides only liability, uninsured motorist and medical payments coverage. It’s designed for people who don’t own a vehicle, but may drive other vehicles, such as rental cars, business fleet cars, or friends’ or relatives’ vehicles. It covers only the people who are specifically listed on the policy.

Named non-owner auto insurance costs less than regular auto insurance. Rates vary, but are often about 50% of the cost of liability insurance for an owned vehicle. For example, if your current insurance costs $900, and $300 of that is physical damage (“comprehensive” and collision) coverage, a named non-owner policy might cost about $300 per year.

Think about whether these situations might apply to you, and discuss it with your agent. To compare up to 6 Portland, Maine area auto insurance quotes in 10 minutes, visit our web site, or call Noyes Hall & Allen at 207-799-5541.

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What Should You Do If You’re Rear-Ended in a Maine Auto Accident?

Posted on January 17, 2014November 9, 2017 by admin

You’re stopped at a traffic light in South Portland, a stop sign in Portland or highway exit ramp in Falmouth, when suddenly – WHAM! a vehicle hits you from behind. You’ve been rear-ended. What should you do next?

In Maine, You’re Not Considered at Fault if You’re Rear-Ended

Every Maine driver is expected to operate their vehicle under control. That means being able to avoid an obstacle in the road ahead. If you’re following the rules of the road and stopped in traffic, waiting to make a turn, or just stopped, drivers behind you should be able to stop, go around you safely, or pay the consequences, regardless of road conditions. If it’s snowy or icy or rainy, they should allow extra time and distance, and be extra cautious.

Make Sure Everyone’s OK

First things first. Check on people before property. Is everyone in your vehicle OK? If it’s safe to get out of your vehicle, check on occupants of other vehicles involved. If there’s even the slightest injury (a bump, bruise – anything), call 911.

Check for Vehicle Damage

If it’s safe, get out of your vehicle and check the damage to all vehicles. Leave the vehicles where they are unless it’s completely unsafe. If you see ANY damage at all – no matter how minor it looks – we recommend that you…

CALL 911

Technically, Maine police only respond to accidents on public roads with bodily injury or combined property damage over $1,000. We recommend calling 911 even if you think there’s less than that, for 3 reasons:

It takes nothing to cause $1,000 damage to a vehicle. Even a bumpers cost more than that, with all the technology modern bumpers contain (airbag sensors, rear cameras, etc.). Also, modern bumpers are designed to be part of “crumple zones”. What may look like a cracked bumper often masks greater damage underneath. Police (and drivers) are notorious for underestimating the cost of damages.
The police will get the proper information. You’re stressed. Even if you trade information with the other driver, you’re likely to forget something that will be important to the insurance company.
Stories can change. People are much less likely to change a story they told the police at the scene – a story that’s now part of a written report. In our Portland area insurance agency, we hear it often: injuries “appear” in days after the accident; someone who admitted fault at the scene later says it was YOUR fault; insurance information is revealed to be incorrect or fabricated. Having the police take the report makes these situations less likely.

While You Wait for the Police, Get the Other Party’s Information

Whether or not you take our advice to call 911, at least get the other driver’s:

Name, address, and phone number
Driver’s license number (make sure the addresses match the one they gave you)
License plate number, and year, make & model of their vehicle (their registration will have this info).

This is important! Very often, the police gather this info but will not give this information to you at the scene. Instead, they give you a “report number”, and tell you the insurance company can call for that info. The problem is that those reports can take days or weeks to be available. Meanwhile, you want to get your car fixed.

Tip: Take pictures of these documents with your cell phone.

Report Your Accident to Insurance

In the case of a not-at-fault accident, call your agent, not your insurance company (you did buy from an agent, not one of those 800 numbers, didn’t you?) If you’re a client of ours, report your claim to Noyes Hall & Allen.

Armed with the proper information about the other driver and their insurance, we can do what your insurance company cannot do:

Help you verify that their insurance is valid;
Start the claim with that company.
Advise you whether to file a claim on your own policy, depending upon your circumstances.

Who Pays to Fix Your Vehicle?

If the at-fault party has valid insurance, their policy should pay these costs:

Repair your vehicle;
Rent a comparable replacement vehicle while yours is unable to be driven;
Medical expenses for anyone in your vehicle (some companies will make you collect from your own Medical Payments coverage first, and reimburse your insurance company).

Not everyone has valid insurance. Just because the other driver has an insurance card in their glove box, that doesn’t mean that policy is in force. Even though it’s state law to have liability insurance, 5% of Maine drivers don’t. If the driver happens to be from out of state, that percentage might be as high as 25% (Mississippi). In that case, you’ll want to know what to do if you’re hit by somebody without insurance.

Should You Use Your Own Insurance?

Here’s why it’s better to have the at-fault party’s insurance pay for your damages.

The claim stays off your insurance policy;
You don’t have to pay the collision deductible;
There’s no dollar or time limit for rental reimbursement.

Some insurance companies accept fault more quickly than others. Some situations are more cut-and-dry. The insurer is entitled to conduct their own investigation before accepting responsibility. Meanwhile, you may decide to put a claim under your own policy, pay the deductible, and move on.

If your insurer recovers the damages from the at-fault party’s insurer, they will reimburse the deductible to you, and wipe it off your insurance record. If they cannot collect, the accident will show as an “at fault” accident on your record, and you may pay higher rates in the future.

Each accident is different, and so is each person. Your independent insurance agent can provide personal advice and advocate for you. If you have questions about Portland Maine area auto insurance, or Maine commercial vehicle insurance, contact a Noyes Hall & Allen agent at 207-799-5541.

Ron Blumenthal Retires, Innova Insurance Clients Can Rely on Noyes Hall & Allen

Posted on January 9, 2014November 9, 2017 by admin

Ron Blumenthal, the founder of Innova Insurance Services in Scarborough Maine, retired October 31. Ron sold Innova Insurance to Noyes Hall & Allen Insurance in December, 2012. Ron had a close relationship with Noyes & Chapman for many years, which continued when Noyes & Chapman became Noyes Hall & Allen. Ron continued to work from the Noyes Hall & Allen office at 170 Ocean Street, South Portland Maine until his retirement.

Tina Countryman, who worked with Ron at Innova, remains at Noyes Hall & Allen, and continues to serve clients.

If you were a client of Ron Blumenthal at Innova Insurance, your insurance transferred seamlessly to Noyes Hall & Allen. Contact a Noyes Hall & Allen agent at 207-799-5541.

How to Thaw Frozen Pipes

Posted on December 19, 2013November 9, 2017 by admin

In Maine winters, water pipes and other plumbing fixtures can freeze, causing water damage and inconvenience.

frozen pipe — photo credit: http://www.yakimawa.gov/

Our Greater Portland, Maine insurance agency fielded calls from clients this week due to the extreme cold weather. They wanted to know if Maine homeowners insurance covers damage from frozen pipes.

We also heard from owners of investment property, wondering whether their Maine landlord insurance covers this kind of damage.

In general, the plumber’s repair bill is not covered by these policies, but the water damage caused by frozen or burst pipes is.

Sometimes, clients call us when they discover the pipes are frozen, wondering what to do next. If you’re in that situation, here are some immediate tips:

How to Tell if Your Pipes are Frozen

When fully open, your faucet only trickles water, then stops completely.
You hear banging noises from inside walls or crawl spaces.
You see water staining on a ceiling or wall.

How to Thaw Frozen Pipes

We recommend calling a plumber. However, if you want to attempt to fix the situation yourself, follow these steps:

Leave the faucet that is not working open (hot and cold).
Turn off the main water supply.
Locate the frozen pipe by opening other fixtures closer to the main water supply. The frozen section will be between the last working fixture and the first non-working one.
The frozen section will probably be near a crawl space or outside wall.
Feel the pipe, looking for a section that is very cold. There may even be frost or ice on the outside of the pipe.
Warm the frozen section GENTLY, using a hair dryer.
NEVER use a flame or torch. Heating the pipe too suddenly can weaken it and cause it to burst.
Work from the open fixture back to the frozen area. This keeps steam from being trapped by ice, which can burst the pipe.
You should notice water trickling from the open fixture as the ice melts.
Once all the ice is melted, close the fixture and open the main water supply.
Make sure there are no leaks anywhere along the pipe.

How to Prevent Frozen Pipes

Before Cold Weather Hits:

Insulate exposed pipes located near exterior walls and crawl spaces with foil, then enclose with foam sleeve insulation.
Close and drain sillcocks (fixtures that pierce the sill of your home, usually a garden hose connection).
Learn where your main water shutoff is. Show everyone in your household how to close the valve.

During Extreme Cold Weather:

Open faucets (both hot and cold) enough to keep a trickle of water going.
Open under-sink cabinets against outside walls to allow warm air into the plumbing underneath.
Keep your home thermostat to at least 55 degrees.

We hope you never suffer frozen pipes. If you do, we hope this information is helpful. If you live in the Portland Maine area and have questions about home insurance, insuring income property, or condominium and apartment insurance, contact a Noyes Hall & Allen agent at 207-799-5541.

Two Quick & Easy Steps to Reduce Maine Home Insurance Costs

Posted on November 27, 2013November 9, 2017 by admin

Two Easy Steps to Save Money on Maine Homeowners Insurance

2 Easy steps to save money on Maine homeowners insurance

Our Portland Maine area insurance clients save an average of $133 per year on Maine homeowners insurance when they increase the property deductible from $500 to $1,000. It was once common to have a $500 deductible, but many clients think it’s smart to increase to $1,000 now for three reasons:

They wouldn’t make a $500 claim anyway. Most people save their insurance for larger problems. They wouldn’t file a claim for less than $1,000. They know that insurance companies do look at claim history when pricing insurance, and they want to only file a claim when they really need to.
Inflation has made a $1,000 the rough equivalent of what was a $500 years ago, when they bought their home insurance. It only makes sense to adjust their policy.
It usually saves money in the long run. The average savings payback is a little less than 4 years. Most people don’t file a homeowner claim more often than that.

Noyes Hall & Allen clients also save an average of $200 more when they bundle their Maine home and auto insurance. Because insurance companies in Maine offer discounts on both home and auto insurance when you insure both with them, you can probably reduce your auto insurance costs by bundling as well. In addition to saving money, packaging your home and auto coverage provides other benefits:

Only one person to call for all your insurance. If you move, change bank accounts, or have a question about your insurance, you only need to remember one contact.
More clout with the insurance company. Insurers often give more favorable treatment to clients who place more business with them. Some offer member benefits or better coverage to package clients; others offer the simplicity of combined billing and other correspondence; all of them are more inclined to give a long-term multi-policy client the benefit of the doubt in a sticky situation.

Would you like a review of your personal insurance program? Contact a Noyes Hall & Allen agent at 799-5541. We represent several of Maine’s preferred insurance companies, so we can find the best value combination for your unique situation.

Can I Replace Building Materials With Green Ones After an Insurance Claim?

Posted on November 16, 2013November 9, 2017 by admin

Portland, Maine is a hotbed of green living. Maybe its our proximity to the sea and mountains. Or the people we attract from around the USA and the world. Whatever the reason, many Portlanders care about the environment, and make lifestyle choices accordingly.

Our farm-to-table game is strong. The cool kids here buy local, with Portland Buy Local and South Portland Cape Elizabeth Buy Local leading the charge. The cities of Portland and South Portland are converting landfills to solar farms. We have an award-winning private community composting service, Garbage to Garden. We even discuss green living over beer at Portland Greendrinks.

It’s only natural that many locals choose to repair or replace any damage to their home with “green” materials and technology. Now, they may be able to get help from their insurance companies. “Off the shelf” home or condo insurance won’t pay to replace your old oil boiler with super-efficient heat pumps. Or replace your water heater with a solar setup after a fire. Fortunately, Noyes Hall & Allen Insurance represents insurance companies that will.

Going Beyond What You Lost

Traditional homeowners or condo insurance is designed to put you in the same condition after a loss that you were before (“indemnity”, in legalese). Your insurance company promises to replace the items you lost with “like kind and quality”. If your home had green materials, the insurance company will replace them. If you didn’t have them before, you can upgrade at your own additional cost.

Upgrade to Green Materials After Your Home is Damaged

Say your home had traditional materials and technology, and you suffered a fire. You want to replace what you lost with greener options, like bamboo flooring, solar and geothermal heating, low-VOC paints, and high efficiency insulation. Some of these may save money in the long run, but initially cost more than their traditional counterparts. Basic insurance policies only pay to replace what you lost with “like kind and quality”. But there are options.

Two Insurers that Pay for Green Upgrades

In response to customer demand, Concord Group and Travelers, have introduced “green home insurance endorsements”. These provide an additional amount of coverage to replace with environmentally-friendly, non-toxic or energy efficient options. Usually, there is a maximum amount of additional coverage as well.

These endorsements are inexpensive – often $2-3 a month.

Would You Choose to Rebuild or Repair “Green”?

We can help. For Greater Portland Maine home, condo or vacation home insurance, contact Noyes Hall & Allen at 207-799-5541. Because we’re a locally-owned Trusted Choice Independent Insurance agency, we offer choice among many insurance companies.

We’ll help you find the best value for your individual circumstance. Of course, we also offer Maine auto, motorcycle and boat insurance and insurance for Maine businesses as well. We’re always happy to answer your insurance questions.

Contact your Noyes Hall & Allen Insurance agent at 207-799-5541 for details. We’re independent and committed to you.

Can an Insurance Company Make Me Remove Roof Moss?

Posted on November 13, 2013May 23, 2024 by admin

It is quite common for Maine homeowners and landlords to receive a recommendation from their insurance company to remove moss growth from the roof of their building. Usually, this occurs following an inspection by the insurance company. Here’s some background on the issue, and what options you may have in dealing with it.

Does Moss Damage Roofs?

While there has not been much scientific study on the subject, most roofing professionals believe that moss is harmful to roof surfaces. Since most Maine homeowners insurance and landlord insurance pay for water damage and ice dams, insurance companies are understandably concerned with the subject. You may think they’re being picky, but insurance companies are in the business of reducing risk – theirs, as well as yours.

http://bryophytes.science.oregonstate.edu/

According to Oregon State University, roofing professionals say that the root-like structures of moss grow into cracks into roofing material, accelerating degradation and causing leaks. Moss can also hold moisture on your roof, allowing mold and rot to take hold. Finally, moss can grow under the edges of your roof shingles, loosening them and allowing water to enter.

How to Remove Moss from Your Roof

The University of Minnesota Extension shares that you should scrape away as much moss as possible. A power washer may work. Be careful not to damage your roof in the process. If you’re unsure, hire a professional to remove the moss. You can also use a commercial moss removal product. Most contain zinc sulfate, and are most effective when the moss is actively growing. Be careful: zinc can corrode some metals, including copper. Minnesota Extension cautions you to NEVER use table salt on your roof: it is corrosive to metal, and not effective at controlling moss.

How to Keep Moss from Growing on Your Roof

Keep leaves, branches and other debris off your roof.
Remove overhanging branches (or hire an arborist to do it). Moss thrives in a dark, damp environment. Direct sunlight and good aeration prevent moss growth.

If Your Insurance Company Requires Removing Moss from Your Roof

Insurance companies can be like spouses. A “recommendation” means “do it, if you know what’s good for you”. An insurance company can (and often will) cancel your insurance for failure to respond to reasonable loss control recommendations.

If you receive ANY recommendation from an insurance company – about any situation – talk to your agent (you DID buy your insurance from a local agent, right?).

Ask them for their advice. They can tell you how urgent the situation is, and whether this is something that all insurers would require.
They may be able to recommend a local contractor or resource to help.
They can communicate with the insurance company on your behalf.
If you need more time than the insurance company has allowed, your agent may be able to negotiate that for you (depending upon the severity of the situation).
If you’re unable or unwilling to complete the recommendation, your agent can discuss your insurance options.

The Bottom Line

When all is said and done, you don’t HAVE to make the repairs or changes that your insurance company tells you to. But, they don’t HAVE to insure you if you don’t.

Most preferred insurance companies in Maine have similar underwriting requirements, but some underwriters are pickier than others. Also, depending upon your circumstance, you may be willing to have less coverage, a higher deductible, or pay a higher rate to keep your property “as is”.

If you have questions about Portland Maine area insurance, contact Noyes Hall & Allen Insurance. We have represented many insurance companies, and served the community for more than 80 years. We have the experience to help you make an informed decision.

Make Your Home Safe and Welcoming for Halloween

Posted on October 29, 2013October 30, 2018 by admin

Halloween is one of America’s favorite holidays. Kids love to dress up, get together with friends, and go door-to-door in search of the biggest and best goodies. Plus, Candy Corn.

If your neighborhood teems with little zombies, superheroes and princesses, be sure your yard and stoop are safe and welcoming. A little pre-planning can prevent an accident that could be tragic for kids and their parents, and trying for you.

Here are some pointers for ensuring your house is a safe place for Halloween trick-or-treaters.

Pets First

Many dogs and cats are scared or disturbed by the repeated doorbell-ringing and the parade of oddly dressed strangers. Find a safe and comfortable space in your home, or take them to a friend or family member’s home in a less active neighborhood.

Clean Up

Many Halloween costumes can limit vision. This can increase the chance of tripping and falling. Make sure your yard is free of toys, yard tools, fallen branches or piles of leaves. Create a clutter-free walking path well before dusk falls this Halloween.

Light Up

Create a well-lit path, and keep your steps and porch brightly lighted. Trick-or-treaters aren’t familiar with your home and yard. If your regular outdoor lighting isn’t sufficient for the high traffic of Halloween, supplement it with solar, string, LED, or glow-in-the-dark yard lights .

Try This Slick Door Trick

Here’s a neat idea: remove the glass from your storm door before trick-or-treaters arrive. This allows you to hand out goodies without opening the door, so kids don’t have to take that dangerous step backwards. Plus, it really freaks the kids out! Bonus: if your door has a solid bottom panel, it can help keep your pets safely inside the house.

Shut it Down

When you’re done for the night, make it obvious by turning all inviting lights off. However, if you’re still offering candy in a bowl on the porch, keep the path well-lit until your sweet treats are tucked away inside the house.

At Noyes Hall & Allen Insurance, we hope your Halloween is all treats, no tricks, and – most of all – safe and fun.