Halloween and Homeowners Insurance

Before you know it, trick-or-treaters will be at your door. Are you ready?

We’re not talking about buying candy and carving pumpkins. We mean what if you get more tricks than treats this Halloween. Are you covered? Luckily, homeowners insurance is there to protect you from these common tricks that are apt to happen.

Jack-O-Lantern Catches Fire
According to the U.S. Fire Administration, open flamed jack-o-lanterns caused 15,500 fires in the last three years.

Fires started by jack-o-lanterns or holiday lights are covered by homeowners insurance. If the fire makes your home unlivable, most homeowners’ insurance policies will also pay living expenses while your house is being repaired.

Instead of using a lit candle for your jack-o-lantern consider going the flameless route and use battery-powered lights.

Trick-or-Treater Slips, Trips or Falls
Most homeowners’ insurance policies provide liability coverage in the event that a trick-or-treater or guest gets hurt on your property. The standard coverage amount is $100,000 but can vary by policy.

To prevent any mishaps, make sure the path to your home is well lit and the area around the entry of your home is obstacle free.

Your Home Falls Victim to Trickery
Whether your decorations are carried away, your house is egged, or other damage is caused to your house, not to worry. More often than not homeowners’ insurance covers vandalism as long as the damage exceeds your deductible.

Consider installing motion-detecting lights to keep tricksters away or keep your porch light on a little later.

Dog Bites a Trick-or-Treater
Last year there were 16,000 dog bite claims on Halloween. If your dog gets spooked and bites someone, homeowners’ insurance typically covers the liability and medical expenses. If your dog isn’t included on your policy, and oftentimes dogs are excluded, you are responsible for the cost.

If you are going to have a lot of visitors take the extra precaution and keep your dogs in a separate room.

Please remember not all policies are created equal, make sure you check your homeowners insurance. The time to find out you don’t have coverage isn’t after you have a claim.

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