Contact Us 800.463.0209



When zombies, Snookies, and Lady Gagas storm your front door this weekend, don’t fear! Your homeowners insurance will protect you from Halloween mishaps.

Halloween is all fun and games until a trick-or-treater trips, knocks over your jack-o-lantern, and sets your front porch on fire. Fortunately, most homeowners insurance policies cover these common Halloween home mishaps:

  • Tricksters damage your home. Standard homeowners policies cover vandalism, such as dents in your siding caused by eggs thrown at your home, when repair costs exceed your deductible.
  • Candles or decorations cause a fire. A fire started by a Halloween candle or a string of holiday lights will be covered. If the fire makes your home unlivable, your homeowners policy will pay your living expenses while you wait for repairs.
  • A trick-or-treater gets hurt on your property. Injuries to trick-or-treaters or your party guests are covered by the homeowner liability portion of your policy. The injured person files a claim with your insurer.
  • You crash your car into a telephone pole to avoid hitting a trick-or-treater in your driveway. That accident would be covered by the collision portion of your auto insurance (if you have it). If you hurt anyone, the liability portion of your auto insurance would cover the cost of their treatment.

If everything on this list of Halloween home horrors occurred, your umbrella insurance would kick in to cover costs — if you have it.

To make your property safe for Halloween, the Insurance Information Institute has these recommendations:

  • Pick up anything in your front yard, sidewalk, stoop, or porch that a person could trip over.
  • Turn on your outdoor lighting so kids can see where they’re going.
  • Use battery-powered lights in your jack-o-lanterns.
  • Don’t put matches, lighters, or candles in places children can reach.
  • Pets, candles, and trick-or-treaters don’t mix. Keep pets away from the front door on Halloween.
  • Look for safety certifications, such as UL (Underwriters Laboratories), on your decorative lights.

Read More: Source

Posted 5:49 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version

Our Company Services Contact Us More Help Resources
Who We Are
Customer Service
Get A Quote
Insurance Types
Send A Message
Frequently Asked Questions
Free Reports
News Center
GET SOCIAL WITH US Facebook Twitter LinkedIn Google+
314 N. 5th St | Ponca City, OK 74601 | Local: 580.765.4441 | Toll Free: 800.463.0209

Join Our Newsletter Refer A Friend Our Partners Claims
Get A Quote