A trick-or-treater slips and falls
With all the excited kids running to your door, what happens if one trips and falls on your property? Fortunately, most home insurance policies will cover you if someone injures themselves accidentally on your property. But, you are responsible for taking precautions to avoid a potential injury. For example, you should:
- Clear debris and obstacles from your walkway
- Make sure your property is well lit
- Keep your pets indoors
The trick’s on you
With any luck, a homeowner will never experience vandalism on their property; but Halloween often brings out the most ghoulish behaviour in some people. Check your homeowners insurance—does it cover vandalism? Most do and will cover the cost of any damage in excess of the deductible.
Your car may also be a target, and if vandalized (say your tires are slashed, your paint job ruined, or if someone breaks a window) you will also be covered, but only if your car insurance policy includes comprehensive coverage. Comprehensive coverage is optional but it provides benefits for situations other than a collision. It can replace broken glass, help you get damage repaired from vandalism or fire, and replace your car if it is stolen and not recovered.
Your jack-o’-lantern starts a fire
Jack-o’-lanterns are a fairly safe Halloween decoration, but accidents do happen. If your jack-o’-lantern turns fiendish and causes a fire, your homeowners insurance will likely cover any damage caused. The insurance company will want to be sure you placed your jack-o’-lantern safely, so avoid any large flames or potentially flammable situations.
A Halloween party guest drinks too much
So your Halloween party is a hit—but what should you do with that guest who’s over-indulged and wants to drive? The answer is cut them off from alcohol and stop them from getting behind the wheel. If you’re the host, you could be held legally responsible if you continue serving alcohol to someone who has had too much to drink and plans to get behind the wheel. If that person gets in an accident, you could be on the hook for any damage they cause to themselves, others or any property. Your insurance provider won’t likely pick up the tab.
Have a happy (and claim-free) Halloween!
It’s a magical time of year, but the risk of damage and injury to yourself and others can be high at Halloween. Use common sense to avoid an incident and call your insurance provider to make sure you have the coverage against vandalism and liability you need to stay scare-free this holiday.