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Trick Or Treating: Are You Covered?

It’s one of the most unpredictable times of the year with strangers wandering up and down your street mixed with higher vehicle traffic. According to the Highway Loss Data Institute, Halloween has more vandalism claims to vehicles than any other day of the year.

Most homeowners policies will cover any damage to your home from vandalism.

However, if you are throwing a Halloween party or hosting a haunted house at your home, there could be multiple issues if someone is injured on your property. Most homeowners insurance policies will cover slip-and-fall accidents, but you will be responsible for any potential injuries if you fail to warn people of hazards such a poorly lit areas or potential hazards.

A few other possible issues that are easily avoidable include:

  • Candy or Treats: To protect yourself from any liability of someone becoming ill or having an allergic reaction to something you are passing out, go safe with store bought candy that steers clear of common allergens such as peanuts
  • Car Accidents: According to the National Safety Council, children are more than twice as likely to be hit by a car on Halloween than any other nights of the year. It’s a good time to review your insurance coverage to make sure you are covered from any accidents or any vandalism to your car
  • Real Fire in Carved Pumpkins: According to the National Fire Protection Association, there are close to 900 fires from holiday decorations each year. If your pumpkin catches on fire, your insurance will likely cover the damages, but we would encourage you to use battery operated candles or have someone monitoring the area

If you have questions about your home or auto coverage, click here to connect with one of our specialists to make sure you are covered as we ramp up for the holiday season.

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