Halloween and Home Insurance

According to the National Retail Insight Center report, this year’s Halloween spending will average about $77 per person. This means we are likely to see an increase in trick-or-treaters at our homes. For many homeowners, this is not generally a problem but there are some common things that occur every Halloween that you should be aware of.

The dreaded dog bite

If you have a family dog, keeping him in a closed room can help prevent this calamity. Dogs are naturally territorial and when there are strangers pouring into your yard and ringing your doorbell, chances are your dog will get overly excited and could potentially harm a child. Before Halloween, check with your insurance agent about your coverage for this type of injury.

Children fall all the time

Children can be clumsy and when they are walking into unfamiliar yards, they can be even more clumsy. Combine this natural tendency with garments that are not always well-fitting and you have a potential recipe for disaster. Chances are if a child slips and falls on your property whether it is a tumble off the porch or tripping over cast-off toys or garden tools, you will be responsible for any medical bills the parent incurs.

Some surprising facts about homeowners insurance

Most people are unaware of some of the items their homeowners insurance covers. For example, Halloween is a night of pranks and if your home is egged, a headstone you own is toppled or your home is vandalized because you are not at home, these items may be covered. Before you pay for cleanups, repair a headstone or grave marker or repair home vandalism, check with your insurance company to see if any of these items are covered.

Halloween is meant to be a fun evening for adults and children alike. Sometimes things happen that are beyond your control. Do not assume you have all the insurance coverage you need, check with your insurance representative before it is too late.