Insurance Policies Can Protect Against Halloween Hazards

Harrisburg – Soon Pennsylvania neighborhoods will be invaded by zombies and ghouls as trick-or-treaters hit the streets for Halloween. With so many unpredictable elements at play, the chances of an accident or mishap are increased this time of the year.

Kids in costumes, neighborhood foot traffic, candles and general Halloween high jinks, all add to the risks. Fortunately, insurance can provide coverage for many possible Halloween-related disasters including:

  • Damage to your home or car due to     Halloween mischief.      Standard homeowners and renters insurance policies provide coverage for     vandalism. There will be a deductible before your policy starts to pay, but     if you suffer expensive damage to your home or possessions you will be     financially protected. In the event that your car is damaged, there is     coverage under the optional comprehensive portion of your auto insurance     policy.
  • If there is a fire in your home due to     candles or decorations.      If a candle or electrically powered decoration causes a fire, any damage     will be covered by standard homeowners and renters insurance policies. If     the fire is significant enough that your home is uninhabitable, you would be     covered for additional living expenses, including hotel room costs while     your home is being repaired.
  • If a trick-or-treater is injured on your     property.      If a trick-or-treater or Halloween party guest is accidently injured on     your property, you would be covered under the liability portion of your     homeowners or renters insurance policy if the guest sues you. Standard     policies also include no-fault medical coverage so that the injured guest     can file their medical claim with your insurance company and avoid a     lawsuit.

For more basic steps that can make your home safe for trick-or-treaters visit www.insurance.pa.gov and click on the “jack-o-lantern” icon.

Consumers with insurance questions should call the department’s toll-free number at 877-881-6388.

Posted by on Oct 22 2013. Filed under Local News. You can follow any responses to this entry through the RSS 2.0. You can skip to the end and leave a response. Pinging is currently not allowed.

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