Halloween Parties Gone Bad: Homeowners Insurance Affected

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

Have A Fun And Safe Halloween Minus The Homeowners Insurance Claim

It’s typically a night of unbridled fun. Ghosts, ghouls, and goblins are all out collecting candy while wild costume parties are raging in neighborhoods all over the country. Halloween is a unique holiday in that it is the only one where you actually welcome strangers onto your property. With that comes an unpredictable aspect of exactly who is setting foot on your property and what their motives are. A quality homeowners insurance policy is necessary for any time of year but Halloween really brings out its usefulness.

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Let’s say you plan on hosting a Halloween party this year. What can go wrong exactly that can cause an unwanted homeowners insurance claim?

• Who let the dogs out? – Keep your pets away from the action. An unpredictable moment could lead to a dog bite and if it happens to the wrong guest you will be filing a homeowners liability insurance claim.
• Fire! – A Jack-O-Lantern isn’t quite the same without a candle in it and a spooky walkway isn’t quite complete without candle-filled bags eerily illuminating it. Keep a close eye on any candles or controlled fires you have going so you don’t burn your house down.

NOTE: If you are planning a relatively large party then you might want to consider additional homeowners insurance coverage. You should consult your home insurance agent about your options regarding additional coverage for an event such as a Halloween bash.

Halloween And Homeowners Insurance Don’t Mix

Let’s face it: Halloween is for fun and homeowners insurance is not. So try to keep the two separate. Be cautious and don’t let things get out of hand and you will most likely have a spooky good time without the trouble of having to file a homeowners insurance claim. To find the lowest rates on a new policy use our simple online quote form.

Published: Wednesday 28th October 2009