With Halloween fast approaching, it’s time to take your kids shopping for spooky costumes to make trick-or-treating even more exciting! This is when you can enjoy the fall season by decorating your home, picking out pumpkins to carve, and tucking into caramel-covered apples! However, in the midst of all the fun and enjoyment, there can be risks such as your car and home getting vandalized or someone getting hurt on your property. Most insurance companies don’t offer specific coverage for Halloween, but you can protect your home and car from Halloween-related risks through these different policies.
Insurance for homeowners
Vandalism is one of the most common occurrences during the Halloween season. Homeowners have often woken up to find broken windows, damaged fences, or grotesque graffiti on the walls. A fire hazard can arise if you use candles for decoration or to light Jack-o-Lanterns. Homeowner’s insurance helps cover these liabilities by paying for damage to your property according to the deductibles listed in your insurance policy. If the house is uninhabitable for a while, a temporary home can be arranged. Stolen property is also covered under this policy if there has been a break-in.
Personal Liability Insurance
During Halloween, pranks often go wrong resulting in injuries, which can lead to medical expenses. If you have caused damage to someone, personal liability insurance protects you by covering court and damages costs. On the other hand, if you or a family member is injured, your health insurance will pay for the cost.
Vehicles are not spared vandalism – in some cases they have been egged on or the paint has been scratched off. Sometimes you can end up with cracked windows, a broken windshield or deflated tires. Expenses for repairs will cost you quite a bit depending on the extent of the damage, so comprehensive car insurance is the best way to protect against these incidents. If an accident has occurred with significant damage to the vehicle, the collision clause will cover the costs. The liability portion takes care of your medical expenses if you are injured in an accident.
Before celebrating Halloween, make sure your insurance policies are enough to protect you – talk to an insurance agent and work out a comprehensive policy today! Leave your comments below