Halloween is supposed to be a fun time, but it can turn into a horror story if you don’t have the right insurance coverage.

Halloween is just around the corner again. It is the beginning of the holiday season and so also will begin the festivities. Halloween is a fun event for children and adults alike, but it can also be a cause for concern. There will be small children and adults on your property during hours of darkness and anything can happen. Here are some of the things to think about when it comes to insurance. 

Unfortunately, there is always a chance of vandalism at Halloween. Most homeowner’s insurance will cover for vandalism to a home, however, the damage would have to be severe to consider filing a claim because you would probably have to pay a deductible. Make sure to lock your car too. 

If you have a dog that get scared by doorbells and lots of strangers it may be best to place them in a room and close the door for the evening. But in the unfortunate event that your dog does bit someone, the expenses should be covered under coverage E Personal Liability and coverage F Medical Payments to Others. It’s best to check with your agent and make sure. 

What it somebody slips and falls on your property? Like a dog bite, this should be covered by coverage E Personal Liability and coverage F Medical Payments to Others. Just make sure to do your best in removing obstacles and other hazards ahead of time. 

Many people want to get into the spirit of the holiday by lighting candles. Although candles may give your home that extra Halloween eeriness, it’s not the safest thing to do. But in the event that there is damage from a candle fire, it should be covered by your homeowner’s insurance under the perils section. 

To make sure you have enough coverage for any of these Halloween concerns, check with your insurance agent as soon as you can.