How Halloween Mischief Will Be Covered

Halloween can bring some unique perils that insurance policies should be prepared to cover. Following are some common Halloween-related risks and the types of insurance that may help cover them. As always review your policy or speak with your agent for better clarification for your particular policy.

1. Vandalism

• Peril: Common around Halloween, acts like egging houses, spray painting, or damaging cars can occur.
• Insurance Coverage:

Homeowners Insurance: Typically covers vandalism to your home or property, subject to the deductible.

Auto Insurance: Comprehensive coverage would cover vandalism to your vehicle.

2. Slip-and-Fall Accidents

• Peril: Trick-or-treaters or guests might slip on decorations, costumes, or wet leaves, leading to injury.
• Insurance Coverage:

Homeowners Insurance: Personal liability coverage typically covers medical costs and legal expenses if someone gets hurt on your property.

3. Dog Bites

• Peril: Increased foot traffic can make pets anxious, leading to bites or other injuries.
• Insurance Coverage:

Homeowners Insurance: Liability coverage typically protects you if your dog bites a trick-or-treater or guest.

4. Fire Hazards

• Peril: Halloween decorations, especially candles in jack-o'-lanterns, pose a fire risk.
• Insurance Coverage:

Homeowners Insurance: Fire damage to your home or property is typically covered.

5. Theft

• Peril: Halloween night can see an uptick in theft, whether it's stolen decorations or break-ins while you're away.
• Insurance Coverage:

Homeowners or Renters Insurance: Covers stolen property, subject to your policy limits and deductible.

6. Car Accidents

• Peril: With more pedestrians, especially children, car accidents are a greater risk on Halloween night.
• Insurance Coverage:

Auto Insurance: Liability coverage protects you if you are at fault, and collision coverage can help with damage to your vehicle.

7. Costume or Decoration Hazards

• Peril: Someone could trip on your costume, get injured by a malfunctioning decoration, or get hurt using a dangerous prop.
• Insurance Coverage:

Homeowners Insurance: May cover injuries or accidents caused by decorations or costumes if you're held liable.

8. Party-Related Incidents

• Peril: If you host a Halloween party, injuries or accidents related to alcohol consumption or other activities could occur.
• Insurance Coverage:

Auto Insurance: Liability coverage protects you if you are at fault, and collision coverage can help with damage to your vehicle. Insurance Coverage:

Being mindful of these Halloween perils and ensuring you have appropriate coverage in place can help protect against unexpected incidents during the spooky season.