Pets: When little monsters ring the doorbell, Rover tries to protect his turf. Keep pets away from doors so they don't jump on or bite trick-or-treaters. Candelabras, fog machines and cobwebs aren't ideal chew toys for dogs. To prevent damage or fires, homeowners should separate pets from Halloween décor.

Lighting and obstructions: Lit candles are a no-go, but that doesn't mean homes should remain in the dark. Proper lighting alleviates risks of trips and falls. Homeowners also should remove gardening tools, toys and other lawn decorations from areas near sidewalks, driveways and entryways. Cover extension cords with mats.

“Not only will you keep children safe,” Morrissette said, “but your home will be less likely to be a target for any pranksters looking for mischief opportunities.” If your clients are away from their properties Oct. 31, encourage security alarms and motion sensor lights to ward off burglars.

Liquor: Several states have passed “social host” laws that expose homeowners, as party hosts, to liability risks for serving alcohol. “Witches' brew in your punch bowl can be a deadly weapon at the end of the night,” Morrissette said. “No host wants to deal with the emotional or legal impact of a post-party accident.” To play it safe, emphasize that your clients act as responsible party hosts:

• Do not serve alcohol to those under 21 and offer non-alcoholic drinks
• Stop serving alcohol 1 hour before the party ends
• Hire a professional bartender, who can recognize signs of intoxication and limit consumption
• Arrange transportation and designate sober drivers.

Zombies: The walking dead cause millions of dollars' worth of damage to homes and vehicles. Offer clients a policy that covers family relocation, ammunition restocking and zombie incineration.