Halloween is a time for pumpkin carvings, haunting decorations, costumed kids running from house to house, and, of course, tons of candy. However, as with any holiday, it’s essential to be mindful of the potential risks and ensure that you’re adequately covered. Insurance isn’t just for peace of mind year-round; it can also provide a safety net during Halloween festivities.
Haunting Home Accidents
Did you know that during Halloween, home insurance claims see a significant spike? According to the Home Safety Council, Halloween is among the top three days for pedestrian accidents and injuries. With increased foot traffic due to trick-or-treaters, slip and fall claims also see a rise. Ensuring your walkways are clear and well-lit can go a long way in preventing a claim.
Vandalism and Mischief Night
The night before Halloween, often referred to as ‘Mischief Night’, can unfortunately bring out the pranksters. The Insurance Information Institute reveals that vandalism claims increase by about 19% during Halloween. So, while those smashed pumpkins might be the work of mischievous teens, it’s essential to be aware of your property insurance policy’s details.
The Fire Frights
Using real candles for your jack-o’-lanterns? The National Fire Protection Association notes that Halloween sees a spike in fire-related incidents by 12%. Consider using LED lights or glow sticks to reduce the risk of a fire, and ensure your homeowner’s insurance is up-to-date, just in case.
Furry Friends and Frights
It’s easy to overlook our pets during the Halloween excitement. The constant ringing doorbell and streams of strangers can stress pets, leading to unpredictable behavior. Dog bites rank as the second-highest homeowners’ liability claim, with an average payout of $32,000, as per the Insurance Information Institute. It’s wise to keep pets in a calm environment during peak trick-or-treat hours.
Auto Insurance Alerts
With so many kids on the streets and the potential for reduced visibility due to costumes, auto-related incidents can also see an uptick. Ensure you’re driving slowly in residential areas and that your auto insurance is comprehensive.
While Halloween is undoubtedly a time for fun and frights, it doesn’t hurt to be prepared. By taking a few safety precautions and ensuring your various insurance policies are in order, you can focus on the treats, not the tricks.
And, if you’re uncertain about your coverage, now is the perfect time to review your policies. After all, it’s always better to be safe than sorry, especially on the spookiest night of the year!
Secure your peace of mind by reaching out today!
Opinions expressed in this article are solely the author’s opinion. Not intended to provide the reader with legal or any other professional advice. Should you need advice or opinion, consult with a qualified professional to address your specific needs.