Halloween safety doesn’t have to be scary. See how one chaotic night turned into a lesson on home protection with five simple must-haves — surge protector, outdoor lighting, pet gate, stair treads, and a security camera — that keep your home and insurance record safe from spooky surprises.

Winter in Minnesota can be brutal on homes—and your insurance. Learn why reviewing your homeowners policy before the deep freeze can save you money, prevent claim headaches, and keep your coverage airtight through snow, ice, and subzero temps.