Halloween Insurance Liabilities Highlighted

On one of the scariest nights of the year, homeowners insurance is often the last thing a person thinks about when they are opening their home to party guests and trick-or-treaters. According to a new InsuranceAgents.com article, “Get More Home Insurance For Halloween Mishaps,” Halloween poses a variety of risks and liability issues to the unexpecting homeowner.

“The key to having fun on Halloween is having sufficient home insurance and preventing any possible dangers from occurring that may turn a festive night into a horror story you’ll be cringing at for years to come,” the article states.

Homeowners face liability on a regular basis as it is, but hardly as much as on Halloween night. Decorations and lit candles for a spooky Halloween party can harm or burn guests, and cluttered pathways to the front door can trip up and hurt trick-or-treaters. Any injuries or property damage is the financial responsibility of the homeowner who, without sufficient homeowners liability insurance, will have to pay for the repairs or medical and legal expenses out-of-pocket.

However, there are a few tips each homeowner can practice to keep liability risk and financial loss down to a bare minimum.

First, a homeowner can seek additional homeowners insurance, even if it’s just for the night of Halloween. A higher liability risk calls for an increase in insurance.

Homeowners can also keep the path to their home lit and clear, and keep their general property well-lit. This will help others navigate the property more easily so they don’t trip or get hurt. A well-lit property will also help thwart vandals and burglars.

Additionally, homeowners can be extra careful about lighting candles and Jack O’Lanterns. Home fires are the among the top causes of insurance claims on Halloween.

It’s also a good idea to keep pets away from the festivities, as well as far from the front door, where they can get at little trick-or-treaters. A family pet may be well-tempered most of the time, but the chaos of Halloween—with all those strangers around the property—can cause them to get aggressive and possibly bite a guest.

Following these safety tips will not only help a homeowner reduce their liability risk, but it will also help them find additional homeowners insurance at a more affordable rate.

Halloween is a time for partygoers to have fun and let loose. So it’s important not to let something like insufficient insurance get the party down. For more information, visit InsuranceAgents.com.

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