Prepare For a Halloween Filled With More Treats Than Tricks

2022-10-31
By: Advocate Brokerage

Trick Or Treat!!! Halloween can be such a fun night for adults and kids alike! For homeowners, it can become a night filled with tricks that open your property to risks. We are speaking specifically about damage from vandalism and the liability risks that occur when people visit your home. Insurance claim data reveals that Halloween is among the worst days of the year for home and auto claims related to theft and vandalism (an average of 17% more claims are reported on Halloween than on other days of the year).

We want your family to have a happy and safe Halloween so we’ve compiled some tips you can keep in mind to set yourself up for a night filled with plenty of treats and not so many tricks!

Protect Your Property From A Liability Claim

Make lighting a priority. Well-lit walkways and stairs reduce the risk of tripping.
If you are adding lighting to your outdoor Halloween decorations, make sure you secure power cords to prevent tripping hazards.
Clear any potential hazards from your front yard, walkway, or porch as they are another tripping hazard.
Examine your railings and banisters for any wear. If you find anything wrong, make the necessary repairs to prevent any injuries.
If vandalism that creates a mess (such as smashed pumpkins or eggs being thrown at your door) occurs, clean up the mess as soon as you can to prevent slips and falls.
If a nervous dog bites a visitor, it is a liability. Make sure your pets feel safe and are secured away from visitors, offer them plenty of water and treats and turn on the radio or tv to try to muffle the sound of the doorbell.

Protect Your Property From Vandalism

There is a 68% increase in vandalism claims on Halloween compared to other days of the year. *

A well-lit home will make those ready for a TRICK think twice. On Halloween it is a good idea to leave your lights on and/or have motion-sensitive lights installed.
Keep your car parked in the garage for the evening. Better to keep your automobile safe by hiding it away.
If you incur damage to your home, it may be better to pay out of pocket (especially if the damage is minor). Multiple small claims on your policy can add up to higher premiums down the road.

Stay Safe On The Roads

The risk of a pedestrian fatality is 43% higher on Halloween. **

Drive very slowly and cautiously as excited kids are everywhere. It only takes a second for a child to dash out in front of your car.
It is smart to avoid the use of electronic devices such as cell phones while driving at all times but especially on Halloween.
Drunk Driving crashes and fatalities increase on Halloween. If you plan on driving on Halloween, don’t drink and if you do enjoy a drink, call an Uber or Lyft.

Additional Tips For A Sweet Halloween

Halloween is one of the holidays that brings an increase in the number of home fires so be sure to avoid the use of candles in decorations. LED lights are a great alternative.
If you have Halloween decorations that require power, be careful not to overload circuits.

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 or if suffer some damage and aren’t sure whether to file a claim, please give us a call. We would be happy to speak with you!

* According to data published by Travelers Insurance

** According to data published by the National Highway Traffic Safety Administration