- 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.
Witches of Insurance would like to share our magic potion to keep you safe this Halloween:
1. Have well lit walkways
2. Keep decorations off to the side to prevent trips and falls
3. Don't pass out perishable items (deviled eggs, caramel apples) There are lots of tips available but www.houselogic.com has some helpful ideas. 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:
1. Have well lit walkways
2. Keep decorations off to the side to prevent trips and falls
3. Don't pass out perishable items (deviled eggs, caramel apples) There are lots of tips available but www.houselogic.com has some helpful ideas. 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:
Better yet, have enough liability insurance to keep YOU safe so you don't need a magic potion. Call April Schaffroth Farmers Insurance today at 602-297-5155. Happy Halloween!
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