The state Department of Commerce and Consumer Affairs Insurance Division is asking if folks are “insurance ready” for Halloween, which is Saturday but has started Friday, judging by all the princesses, zombies and superheroes walking around town.

“Being insurance ready involves taking small steps to protect your family from health hazards, and your home and car from potential property damage,” says the DCCA. “The Property Casualty Insurers Association of America reports that more vandalism claims are filed on Halloween than on any other day of the year. Dark streets filled with small, costumed children also pose a significant risk of auto accidents and claims.”

Here’s some tips to keep things safe:

• Check all costumes to make sure they won’t trip the wearer. Check masks to make sure the wearer can easily see through the eye holes.
• If you’re planning to trick-or-treat in the dark, add a flashlight or glow stick to your costumes.
• Watch out for trick-o-treaters crossing streets. Drive slower in busy neighborhoods.
• Use battery operated candles for decorations instead of real candles. If you must use a real candle, do not place it where it can fall or be knocked over.
• Keep flammable decorations (e.g., crepe paper and dried flowers) away from open flame and heat sources like light bulbs.
• Park cars in well-lit areas or inside a garage. Lock car doors, close windows, and turn on car alarms.
• Keep walkways clear and well lit if you’re expecting trick-o-treaters.
• Keep pets leashed or in an enclosed area for their safety and the safety of potential visitors.