Is Your Homeowners Insurance Ready for Halloween?


Witches and goblins and ghouls, oh my! It’s that time of year, where costume-clad kids from all over North County will be knocking on your door asking for treats. While Halloween can be a lot of fun for both children and adults, it’s also a night for accidents and crime. Be prepared with these safety tips, and make sure your homeowners insurance has all the proper coverage.

Guard against fires

The flicker of candlelight is one of the things that make Halloween so wonderfully spooky. But those candles in your Halloween pumpkin could easily start a fire. Eliminate this potential hazard by using battery-powered candles – these days, they look just like the real thing. If you do opt for open flames and they cause a fire, your homeowners insurance will help pay the repair costs. That is unless you were engaging in a dangerous activity like having a bonfire on your front porch.

Prevent accidents

Kids get super-excited on Halloween. When you couple that with loads of sugar and costumes that restrict their vision, it’s easy for kids to slip and fall. Prevent accidents by clearing all walkways of debris. Turn on some outdoor lights so that they can clearly see where they are going. If someone does get hurt on your property, your liability insurance will most likely cover the expense, as long as there were no significant hazards that contributed to the injury.

Keep your best friend inside

Even if you think your dog is extremely well-behaved, it’s not unusual for them to get stressed on Halloween. There are also many kids out there who are afraid of dogs. It’s best to keep your pooch confined to another area of the house during trick-or-treating. This will help to keep your dog and your visitors more relaxed. If your dog does bite someone, you may be covered by your homeowners insurance. But it’s best to check beforehand. Dog bites represent one-third of all liability claims, and some companies exclude certain breeds from coverage.

Protect yourself from vandalism

There are more property-related crimes on Halloween than on any other day of the year. Make your home less attractive to vandals by keeping the lights on in the house, yard, and garage. If you are the victim of vandalism to your home or car, your homeowners or car insurance will usually cover your claims. Just keep in mind that if the cost of repairs is low, it may not be worth it to file a claim. And here’s an interesting tidbit that we bet you didn’t know – if the gravestone of your loved one is damaged, that is covered, too. Even though the gravesite isn’t located on your property, those plots are protected under your coverage.

By being proactive, you can head off most of the tricks you might encounter on Halloween. If you have any doubts about what your homeowners insurance policy covers, contact your agent.

Contact the Cristine Clark & Jamie Gilman Team

If you’re ready to buy or sell a North County home, the Cristine Clark & Jamie Gilman Team can help! Click here or call 760-758-1211 to speak with one of our expert agents. We love real estate, and we’d love to help you reach your real estate goals. And we hope you all have a happy – and safe – Halloween!

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