Your homeowners insurance will protect you from Halloween home mishaps.
Halloween is one of the best nights of the year for children! Unfortunately, this playful, mischievous manner could turn into mayhem when a trick-or-treater trips or your jack-o’-lantern is knocked over.
Fortunately, you can cackle your way through this night as most homeowners insurance policies cover these nightmare situations!
- Tricksters damage your home: Standard homeowners policies cover vandalism when repair costs exceed your deductible.
- Candles cause a fire: Fires caused by a jack-o’-lantern candle or a string of ghost lights will be covered. If you are unable to live in your home because of damages, your homeowners insurance will also pay for your additional living expenses.
- Trick-or-treating trauma: Injuries caused to children or their parents are covered by the homeowner liability portion of your policy.
- Car crash: If you crash your car by to avoid hitting a trick-or-treater (it happens more than you think!), the accident would be covered by the collision portion of your auto insurance. If anyone is hurt, your liability protection will take care of that.
Luckily, with proper insurance, you will have coverage throughout all Halloween misfortunes! That being said, you can reduce the likelihood of an accident by ensuring all paths to the house are clear, double-checking that there is sufficient lighting, and not lighting any open flames.