With Halloween fast approaching, it’s time to go shopping with your kids for spooky costumes to make trick-or-treating all the more exciting! This is when you can enjoy the fall season by decorating your home, choosing pumpkins to carve, and enjoying candy covered apples! However, in the midst of all the fun and enjoyment, there could be risks such as your car and home being vandalized or someone being injured on your property. Most insurance companies do not provide coverage specifically for Halloween, but you can protect your home and car from Halloween-related risks through these different policies.

homeowners insurance

Vandalism is one of the most common occurrences during the Halloween season. Homeowners have often woken to find broken windows, damaged fences, or grotesquely scrawled graffiti on the walls. Fire hazards may be imminent if you use candles to decorate or light Jack-o-Lanterns. Homeowners insurance will help cover these liabilities by compensating for damage to your property based on the deductibles set forth in your insurance policy. In case the house is not habitable for a while, arrangements can be made for a temporary home. Stolen possessions also fall under this policy if there has been a theft.

personal liability insurance

Pranks often go wrong on Halloween and lead to injuries, which could lead to medical costs. If you’ve hurt someone, personal liability insurance protects you by covering court costs and compensation. On the other hand, if it is you or a family member who has been injured, your health insurance policy will take care of the expenses.

Auto Insurance

Vehicles are not spared from acts of vandalism; in some cases, they receive eggs or paint is scraped off. Sometimes you can end up with smashed windows, a cracked windshield, or flat tires. Repair expenses will cost you quite a bit depending on the extent of the damage, so a comprehensive auto insurance policy is the best way to protect yourself against these incidents. If there has been an accident with significant damage to the vehicle, the collision clause will cover the costs. The liability portion takes care of your medical expenses if you are injured in an accident.

Before you start celebrating Halloween, double check to make sure your insurance policies are enough to protect you – talk to an insurance agent and put together a comprehensive policy today! Please leave your comments below