Nearly 157 million Americans plan to celebrate Halloween this year. Along with all that fun comes a heightened risk of property damage, injury, claims and law suits.
Here’s a look at 7 common insurance risks that spike around Halloween, the scenarios that cause them, and the policies that can cover them:
1) Tricksters Cause Damage by Egging Your Home
Statistics show more vandalism insurance claims are filed from Halloween than any other day of the year
Standard homeowners policies will cover vandalism damages like dents in your siding caused by eggs thrown at your home. Just be sure to check what your deductible is with your insurance provider.
2) Your Spooky Candles or Decorations Cause a Fire
The rate of open-flame fires more than doubles during Halloween – largely due to the increased use of candles as decoration. Avoid fire damage claims by using battery-powered alternatives and/or glow sticks instead of flame candles.
If a candle or a strand of twinkle lights does cause a fire, the damages should be covered by your homeowners policy. If the fire makes your home unlivable, your homeowners policy will pay your living expenses while you wait for repairs. If you’re renting the space that is damaged, your landlord’s policy should cover damages to the rental unit, while your Renters Policy will cover damages to any of your personal property. Keep in mind, the landlord’s insurance carrier may file against you for damages you caused. Be sure to check with your agent as to coverage and limits you may have in this eventuality.
3) A Trick-or-Treater Gets Hurt on Your Property.
Slip and Fall injuries are one of the most common injuries on Halloween. Nearly a quarter of all ER visits on Halloween are a result of falls. Awkward, bulky costumes, and masks mixed with dark unfamiliar terrain contribute to a spike in slip and fall injuries nationwide.
Injuries to trick-or-treaters or your party guests are covered by the homeowner liability portion of your policy. The injured person will file a claim with your insurer to cover their injuries. Take steps to prevent this horror, and make sure no one is injured on your property this Halloween – Learn More here.
4) You Wreck Your Car to Avoid Hitting a Trick-or-Treater
If you do find yourself in this situation, damages from the accident would be covered by the collision portion of your auto insurance (if you have it). If you hurt anyone or damage their property, the liability portion of your auto insurance would cover the cost of their treatment (not yours) and repairs.
Be extra cautious while driving during Halloween. Pedestrians and bicycle riders are 35% more likely to be struck by a vehicle in the last week of October than during any other time of the year, according to the Department of Transportation.
5) A Guest is Injured During A Pumpkin Carving Contest on your Property
More than half of ER visits each Halloween are pumpkin-carving related. Slippery gourds plus sharp knives make for dangerous situations.
Injuries like this to guests may be covered by the homeowner liability portion of your policy, but be sure to check with your agent before hosting such events.
6) A Guest You Served Alcohol to Causes an Auto Accident.
You may face legal consequences if one of your guests drives and injures someone, or if a guest under 21 gets a hold of a drink.
Make sure guests have a sober designated driver with them if they choose to drink. Hosts should also consider Event Liability Insurance and Host Liquor Liability Coverage. With this type of coverage in place, the policy would help pay for any injuries and/or damages your party goers may cause.
7) A Prankster Damages Your Car While “TP-ing” It
While toilet papering is for the most part harmless, accidental damages can occur. If you find that the culprit accidentally scratched or dented your car while wrapping it in two-ply, your insurance company may consider this an act of vandalism.
Your comprehensive coverage should kick-in to cover the damages. But before you file a claim, check your deductible. The cost to fix the damage may not exceed your deductible, and make sure clean the mess as soon as possible to avoid further damage.
Review Your Insurance Policies with Your Agent
Get prepared for Halloween. Learn more about the preventive steps you can take to help avoid or minimize Halloween incidents here.
You should also do a quick review of your insurance policies in advance. Contact your agent and review your policies to make sure your coverage is still adequate.
Curious about your coverage options? Contact our team of experts through the form below.
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