Property damage, burglary, and other crime-related insurance claims tend to increase around Halloween. Have no fear, we’re here to help protect you and reduce your risks this spooky season!
Halloween may be the scariest day of the year… but not for your insurance! Follow our tips below on how to protect your property and avoid common insurance claims.
How To Not Get Spooked By Insurance Claims On Halloween
Insurance Tip #1 | Protect Your Home
One of the best methods of protecting your home on Halloween is to stay home or at least make it look like someone is home. Vacated homes are the most susceptible to criminal activity like burglaries, destruction, or vandalism. If you are out trick-or-treating or at a party, keep the lights on, and maybe even put up a sign saying you ran out of candy to give the impression you are home.
Insurance Tip #2 | Protect Your Car
Your home is not the only thing that needs to stay protected from possible insurance claims on Halloween. Storing your car in the garage can limit the risks of a break-in or vandalism. No garage? Lock up and keep any valuables inside your home, not in your car overnight.
Insurance Tip #3 | Safely Set Up Decorations
Decorating your home with inflated ghosts, candles and spooky lights is always fun. Unfortunately, improper setup and use may cause damage to visitors or to your property. Avoid fire hazards by keeping flammable décor away from candles, or swap out candles for battery-operated lights. Also, make sure any wires or electrical cords are safely tucked away or taped down.
Insurance Tip #4 | Do A Property Check
Halloween night typically means having many visitors to your property. Before it gets dark, scan your property for potential hazards that could harm a visitor or trick-or-treater. Protect your visitors and keep an eye out for things sticking out of the ground, electrical cords on the ground, big steps up to your property, low-hanging trees, or overgrown bushes, etc.
Insurance #5 | Ensure Candy Is Safe
Protect yourself and steer clear of handing out homemade treats, non-sealed or packaged items, or expired treats. Go with peanut-free treats as an even safer bet, and protect your trick-or-treats who have allergies. In addition to teats, read more spooktacular Halloween safety tips for children.
Be prepared for Halloween’s tricks, and follow our tips to stick with the treats. We hope you have a fun spooky season, free of insurance claims!
Thinking ahead to December holidays? Check out our shopping on a budget guide.
Disclaimer: The information provided on this blog is for educational purposes only and is not intended as professional insurance advice. The coverage, terms, and conditions of each insurance policy are unique and subject to individual circumstances. The information provided does not guarantee the availability or suitability of any insurance policy for your specific needs. You should not rely on the information in the blog as an alternative to professional advice from your insurance broker or insurance company. If you have any specific questions about any insurance matter, please consult a licensed insurance broker for personalized advice and guidance.