Make Sure Your Halloween B.O.O.s Are Covered

It’s the spookiest night of the year, and if you’re not careful, the tricks could lead to more than just a little fright. We all love a good scare, but on Halloween night, it’s possible to get a little more than you bargained for. Don’t be scared. Your homeowners and renters insurance policies are there for you.

If you have these in place, you’ll be covered for the most common Halloween B.O.O.s.

Breakage. Trick or treat might seem like a fun game, but Halloween is a top time for vandals. If your property is at all affected by acts of vandalism, make sure you contact your insurance agent straight away. We may be able to “treat” you if you’ve been “tricked.”

O’ lanterns. Halloween is the fifth worst night of the year for candle fires. Try swapping real candles for battery-powered ones in your jack-o’-lanterns. But if your pumpkin does go up in flames, your homeowners or renters policy will cover the damage.

Offenses. Whether you’re throwing a party or just opening your doors to hungry trick or treaters, it’s possible many little feet will be entering your property. If any guest gets injured while partaking in the festivities, you will be covered by the liability portion of your insurance. This also includes four-legged friends who may get overexcited.

Get the costume and get the coverage. Contact your insurance agent to verify your policies are current and include the necessary coverage for this season.