What are the standard types of Halloween insurance?

With Halloween fast approaching, it’s time to go shopping with your kids for spooky costumes to make trick-or-treating all the more exciting! This is when you can enjoy the fall season by decorating your home, choosing pumpkins to carve, and enjoying candy-coated apples! However, in the midst of all the fun and enjoyment, there could be risks such as your car and home being vandalized or someone being injured on your property. Most insurance companies don’t provide coverage specifically for Halloween, but you can protect your home and car from Halloween-related risks through these different policies.

homeowners insurance

Vandalism is one of the most common occurrences during the Halloween season. Homeowners have often woken up to find broken windows, damaged fences, or graffiti grotesquely scrawled on the walls. Fire hazards may be imminent if you use candles for decoration or to light Jack-o-Lanterns. Homeowners insurance will help cover these responsibilities by compensating for damage to your property based on the deductibles stated in your insurance policy. In case the house is not habitable for a while, arrangements can be made for a temporary home. Stolen possessions also fall under this policy if there has been a theft.

personal liability insurance

Pranks often go awry on Halloween and lead to injuries, which could lead to medical costs. If you have hurt someone, personal liability insurance protects you by covering court costs and compensation. On the other hand, if it is you or a family member who has been injured, your health insurance policy will bear the costs.

car insurance

Vehicles are not exempt from acts of vandalism; in some cases, they receive eggs or paint is scraped off. Sometimes you can end up with broken windows, a cracked windshield, or flat tires. Repair expenses will cost you quite a bit depending on the extent of the damage, so a comprehensive auto insurance policy is the best way to protect yourself against these incidents. If there has been an accident 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 you start celebrating Halloween, double check to make sure your insurance policies are enough to protect you – talk to an insurance agent and write a comprehensive policy today! Please leave your comments below