By: Denise Koslowsky
This year Halloween falls on a Saturday. With pleasant weather in the forecast it is shaping up to be a fun filled night for the little kids and teens in your life, but has the risk of a horror for you and your home. We’ve compiled a list of things you can do to set yourself up for a night filled with more treats and less tricks.
For your Home
There are two main concerns when it comes to protecting yourself from the risks associated with Halloween. The first is damage that comes as a result of vandalism and the second is liability risks that you open yourself up to from having people visiting your home. Below, we’ll talk about both.
Most standard homeowner’s insurance policies do cover damages resulting from vandalism, whether it’s dents in your siding, broken windows, or a destroyed mailbox. If you have any concerns regarding your coverage, please give us a call. It is much better to have a conversation with your Advocate team rather than worry about your property being protected.
Advocate Vandalism Protection Tips:
When it comes to liability risks, your homeowner’s insurance policy does offer you some level of protection. Slips, falls, dog bites and other liability risks that occur from neighborhood children trick or treating at your home would likely be covered. Incidents that occur inside your home (should you invite any visitors inside) would also likely be covered by your standard homeowners policy. However, if you are hosting a costume party and there is any alcohol involved, you may need to consider an umbrella type policy, if you don’t already have one in place.
Advocate Liability Risk Protection Tips:
For your Cars
According to the Highway Data Loss Institute, vehicles are almost 2x as likely to be vandalized on Halloween or the nights leading up to Halloween. Whether it is paint damage, dents, or other types of pranks, it is best to make sure you are covered. Give us a call, we would be happy to help you review your auto insurance policy limits to make sure you are covered for damages resulting from vandalism.
Advocate Tips to Keeping your Vehicle Safe:
For your Teens
If you have teenagers in your home, you all know the kinds of mischief they can get into on a night like Halloween. As we mentioned above, if you are hosting a party in your home with teens (who are under the drinking age) in attendance keep in mind that if they are injured in your home, you could be held liable.
Advocate Tips for Parents of Teens:
For your Kids
Finally, we wanted to leave you with tips to protect the smallest members of your family who may be out participating in Halloween festivities:
As your insurance Advocate, we want to keep you informed of all insurance risks you may face. Take advantage of these tips to make sure that your Halloween is a fun and safe night. If you have any questions related to your coverage for your home or vehicles, please give us a call.