3 Unexpected Halloween Horrors Your Home Insurance Should Cover
Halloween is right around the corner. You’re prepared with a bowl of candy, some spooky decorations and a cool costume to handle those little and, sometimes, not-so-little trick-or-treaters.
But the neighborhood kids aren’t the only ones who can get tricked or treated during the Halloween season. There are plenty of things that can happen to you or your home during the week’s festivities, so it’s important to make sure your home insurance policy is up to your standards and you take precautions to protect your home from mischievous mishaps.
Because when Halloween is filled with more tricks than treats, it’s important to make sure your home insurance policy is prepared for the following spooky mishaps:
Fires
One of Halloween’s most unforeseen horrors each year is an unexpected fire. According to the National Fire Protection Association’s most recent statistics, Halloween decorations have been responsible for 840 home fires and $11.6 million in property damage each year. Among those fires, it’s estimated that two people have died and 36 more were injured each year.
Check your policy, online or by calling your insurance agent, to ensure your home and possessions are covered due to damage or a total loss. If your home is deemed uninhabitable, your policy may provide additional living expenses to cover costs for things like a hotel, food and gas.
Vandalism or Theft
Vandalism and theft are covered perils in most homeowners, renters and condo policies. Universal will likely repair or replace your property or things due to a case of Halloween mischief caused by trick-or-treaters, careless drivers or someone else looking to add a more frightening edge to the holiday.
Depending on your deductible and the amount of damage or stolen property, you’ll have to weigh the options to file a claim or pay out of pocket. Call your Universal agent at 800-425-9113 for more information or to file a claim.
Injuries
It’s imperative to be prepared and have fun on Halloween. It’s also imperative to be careful and make sure your home insurance policy’s coverage is up to Halloween’s scary standards. While you can’t ensure the safety of every trick-or-treater who steps foot on your property, you can be prepared in the event someone gets injured.
Liability coverage in your homeowners, renters or condo policy will pay medical bills and legal expenses incurred due to an injury that happens on your property. Your policy may also include no-fault medical coverage so you can avoid being sued.
The editorial content on Universal Property’s website is meant to be informational material and should not be considered legal advice.