It's Halloween! Halloween can be a particularly scary night for homeowners. You probably already know that there is no zombie insurance, and your home insurance will probably not cover encounters with the undead. However, your homeowner's policy can cover these common Halloween tricks.
When Halloween is filled with more tricks than goodies, it is imperative to make sure your home insurance covers eerie mishaps. Policyholders should check their insurance to see what is and what is not covered. For example, vandalism is a covered danger in most homeowners, apartments and tenants. Many insurance policies contain provisions that repair and replace your property damaged by Halloween mischief by trick-or-treaters. Fires are also one of Halloween's most unforeseen horrors. Halloween decorations have been responsible for 770 home fires and $ 1
The homeowner's insurance policies cover repairs and living expenses during the repair period, unless the fire was caused by negligence or dangerous activity. (Remember to put your light-lit-jack-o-lantern in a pile of dry leaves or start a fire on your covered porch). Even if you're not worried about black cats or monsters lurking in the dark, it still makes sense to take precautions on Halloween. Consider battery-powered lights or flameless jack-o-lanterns. If you use candles, do not place matches, lighters or candles in places that children can reach.
If you decide to turn your home into a haunted house that is open to visitors and you charge for admission, it is important that Note that this is considered to run a business in your home, and your home insurance probably does not offer coverage from damages that occur from your new haunted house. If you are considering hosting a haunted house, contact your insurance agent to find out the liability policy for "special events".
Halloween is one of my favorite weekends and is a wonderful experience for both parents and children. Make sure your policies cover these common Halloween-related issues, understand any exceptions that may exist, and close loopholes that you think are important enough to close. Happy Halloween everyone and be safe!
The world seems full of good men – even if there are monsters in it.
– Bram Stoker, Dracula