Home Insurance Protects You From Halloween Horrors

It will start getting dark in much of the country around 5pm on Saturday, October 31st. Yes, Halloween falls on a Saturday this year. That means it won’t just be the youngsters prowling the streets looking for candy. Teenagers and adults will be out as well. But home insurance protects you from these horrors.

Did you know that 54 million adult Americans plan to throw or attend a Halloween party this year? Add that number to all the trick-or-treaters and their parents that are going to be out-and-about. Imagine all the people that are going to be outside this Halloween simply because it lands on a Saturday.

Of course Halloween is meant to be fun. However, you might want to consider taking a few precautions to protect you and your family from any Halloween nightmares. You’re home insurance should protect you from most liability and damage (contact us if you want to make sure). Whether you have your home insurance with us or not, we’d like to share a few helpful tips to reduce your liability risk and keep your Halloween Spooktacular!


Halloween Safety Tips from your Insurance Agent

Halloween is supposed to be fun, but it can be truly scary if you’re into careful. Here are a few tips to keep your kids safe and also to keep your home safe:

Keep your kids safe:

  • Talk to Them: First of all, have a quick chat with your kids even if you’ll be there with them.
  • Stranger Danger: Let them know that they should never go into a strangers home.
  • Time and Place: Set a defined curfew and if someone gets lost, set a place to meet just in case.
  • Let there be Light: Make sure you have a flashlight and give your children one as well.

Keep your home safe:

  • Clear the Path: Clean up your yard and remove any debris, sticks, stones, decorations or anything else that someone cold trip or slip on. If a person falls and gets injured on your property, you can be held liable even if you didn’t invite them.
  • Let There Be Light – Part 2: A well-lit path is safer and more welcoming. It also deters the characters that might be interested in something other than candy.
  • Time: It’s never a good idea to answer the door after a certain time. Nothing good happens after 10pm on Halloween.
  • Decorate with Caution: There’s nothing wrong with getting into the Halloween spirit and decorating your house. Just make sure your decorations are installed safely and leave nothing to chance.

Don’t Be Frightened By the Risks

ghostbusters home insurance risk assessment

Halloween is second only to Christmas in terms of how much consumers spend on decorations. Americans of all ages love celebrating Halloween. However, Halloween is the only holiday where masses of complete strangers freely walk up to your home, ring the doorbell, expect you to give them candy, and we’re all okay with it.

Just remember that welcoming the neighborhood also invites risk. But don’t be frightened by the risks. If you follow the steps outlined above, be safe, and make sure your home insurance covers you; you’ll be spared from a truly frightening night.

Give yourself peace of mind and contact us to make sure you are properly covered.

Dexter & Company has been around for 139 Halloween nights (Dexter & Company was established in 1876…140th anniversary this coming Spring!) so we’ve helped guide quite a few of our clients through some “scary” times.

Feel free to share these tips with any of your neighbors and friends that might find them useful.


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