For most of us, Halloween is a night of harmless fun and games, and for some, it’s their favorite time of the year. Whether we like to attend costume parties, welcome trick-or-treaters, or binge-watch horror classics, everyone can enjoy this night. However, there are many situations that could represent a potential risk, but these Halloween Insurance tips should come in handy.
One of the biggest worries of the night for homeowners is being victims of pranks and vandalism. Another common mishap is causing an accidental fire inside our home or on our front yard. Lastly, we must be careful when we drive or when we take our kids out of the house. There are potential dangers that these Halloween insurance tips should help you avoid.
Damages to Your Home or Property
Halloween is pranksters’ favorite night to run around the neighborhood and pull a prank on unsuspecting homeowners. Whether it is throwing eggs at houses or cars, or toilet-papering trees or homes, Halloween pranks can cause damage.
If we were victims of these or any other acts of vandalism, we need to assess the damages before filing a claim. One thing we need to consider is what our deductible is, and then compare it to repair costs. For example, if we have a damage deductible of $500 and the repair costs are $400, filing a claim will be useless.
Accidental Fires Can Happen, Too
Another possible misfortune that is more likely to happen during Halloween night are accidental fires. Classic home decorations like jack-o’-lanterns will never go out of fashion, especially if we carve them ourselves. However, we must be mindful about lighting them with actual fire as this could cause an accidental fire.
We recommend using battery-operated candles in order to avoid an accident. Even though, if an accidental fire happened to damage or destroy your house, your homeowner policy should cover you.
Keep Your Eyes on the Road at All Times
One of the most underestimated Halloween insurance tips has to do with defensive driving and jaywalking. According to the National Safety Council, children are more than twice as likely to get injured in a car accident during Halloween night than any other night. Even when auto liability and/or comprehensive policies could cover the medical expenses, one of the most valuable Halloween insurance tips is to avoid being involved in a car accident.
If, for whatever reason, we have to be driving during that night, we should pay extra attention to the road. Children and pedestrians are more likely to walk down the sidewalk, jaywalk, and pay less attention to cars during Halloween. Also, if we take our kids trick-or-treating, we must make sure they don’t get off the sidewalk, and cross streets only at designated crossing spots.