Halloween Insurance
Guide to
Halloween Insurance
Vandalism and theft coverage are common on Homeowners polices, but it’s not a given. Policies without those coverages are the exception rather than the rule, but if you are not sure, call your agent.
TIPS FOR KEEPING YOUR HOME SAFE
For Your Home
Make sure your exterior lights are turned on.
When you're home, turn on additional interior lights to show any miscreants that there are lots of people are home.
Even when you're not home, keep your interior lights on. Be sure to turn off the porch lights so as not to irritate the trick or treaters.
Be sure to turn on your alarm if you are not home.
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4 Tips
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Halloween Insurance
With auto insurance, it’s easier than your home insurance: vandalism and theft are covered by Comprehensive coverage, subject to whatever deductible you chose for that coverage.
TIPS FOR KEEPING YOUR CAR SAFE
For Your Car
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Park your car inside a garage, if possible.
If a garage is not available, park your car in a well-lit ares.
Be sure to activate your car’s alarm.
Avoid parking in isolated areas.
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Halloween Insurance
Aside from the obvious claims discussed earlier, the most serious Halloween insurance claims come from accidents and other things that can happen to you while driving. A vanload of excited kids on a fructose bender can be the epitome of “distracted driving”.
TIPS FOR KEEPING YOURSELF SAFE
For Yourself
Look twice before pulling out of a parking space
Roll down any tinted windows to improve your visibility at night.
Minimize lighting inside the car to improve the driver’s night vision.
Bring an adult to ride shotgun and help wrangle the sugar rush rodeo.
Encourage your trick or treaters to wait until they are home to survey and eat their night’s haul.
Put your phone in your pocket to avoid the temptation of checking it.
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Trick or treat early when more light is available.
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With all the excitement around Halloween, insurance is the last thing on your mind, as it should be. But knowing that you’re ready for whatever might happen might make it a little less spooky and a little more fun.
Don't forget to have fun!