Halloween doesn’t just bring out the ghouls and goblins. It brings out the home insurance claims. This time of year, there is a spike in claims related to property damage from revellers who occasionally take their terrifying pranks too far. Some of the most common damages include broken windows, theft, and egging.
Halloween also sees a rise in accidents, from dog bites to trick-or-treaters slipping and falling on hazardous decorations. Here’s how you should prepare your property ahead of the spooky event.
PREVENT ACCIDENTS FROM HAPPENING
Make sure your insurance policy covers damages and accidents that occur on your property. However, if a child gets hurt due to an obstruction on your property, your insurance may not cover these claims. Be on the lookout for common hazards such as loose handrails on stairs, unexpected elevation changes on your walkway and driveway, slippery surfaces from ice or wet leaves, and poorly lit areas.
SECURE YOUR PROPERTY FROM BURGLARS
Most homeowners’ insurance policies cover theft and break- and-enters. However, you should further protect yourself by locking all your doors and windows, keeping valuables out of plain sight, and providing plenty of lighting on your property. If you will be out of the house in the evening, make the place seem occupied by leaving a few lights on and even the TV.
KEEP YOUR DOG INSIDE AT ALL TIMES
Rex may be the most well-behaved dog, but frightening costumes and loud children can cause him to act erratically and potentially bite a trick-or-treater. Make sure your insurance provider is aware that you have a dog and check if the policy covers dog bites. Of course, it’s best to avoid any incidences in the first place. Keep your dog on a leash inside the home or away from the reach of strangers.
This information should not be relied on as legal advice, financial advice or a definitive statement of the law in any jurisdiction. For such advice, please consult your own legal counsel or financial representative.