If you need assistance, please call 858-345-9040

Home Insurance and Halloween

Monday, January 29, 2018   /   by Sean Zanganeh

Home Insurance and Halloween

Home Insurance and HalloweenIt’s that time of year again! Time for Halloween pumpkins, candy, costumes – and possible claims to your homeowner’s insurance. While trick-or-treating is a time-honored tradition, it also increases the risk of damage to or accidents on your property. Be on the lookout for these events that could trigger a claim, and make sure your insurance policy will cover them.


Vandalism


It’s unfortunate, but vandalism does occasionally occur on Halloween. Your homeowner’s insurance policy will cover most types of vandalism. But you’ll need to decide if those acts cause enough damage to make filing a claim worth it. If your car is vandalized, that is usually covered through your auto insurance.


Dog bites


Even the most well behaved dogs get spooked on Halloween. With so much activity and so many new, costumed faces, it’s easy for dogs to get excited. That excitement could manifest as a dog bite. Most homeowner’s policies do cover dog bites, but those guidelines can vary from state to state. You should double-check your policy, especially if you got your dog after you got the insurance. The best way to prevent an accident like this is to secure your pets on Halloween so they aren’t coming into contact with people.


Fire


Nothing creates a spooky atmosphere quite like a jack o’ lantern. But those candles are often the source of accidental fires. Your homeowner’s policy will most likely cover the cost of living expenses and repairs. That is, of course, unless your fire was caused by a dangerous activity, like having a bonfire next to a pile of dry leaves a few feet from your house. Your best bet is to invest in some flameless candles that provide much less risk of fire.


Injury


Small children wearing bulky costumes or masks that limit their visibility are more at risk of getting hurt. If a child or a party guest gets injured on your property, the liability portion of your policy will cover it.  However, if a decoration or some other hazard caused damage to your property in the meantime, those damages may not be covered. If you have any questions about what your policy covers, talk with your insurance agent.


Gravestones


Here’s one you may not have considered. If a loved one’s gravestone is damaged during a Halloween prank at the cemetery, your homeowner’s policy will cover it. Even though it’s not in your yard, your family’s final resting places are protected.


An ounce of prevention


Nothing kills a good time like an accident. The best way to ensure you have an accident-free Halloween is to take safety precautions. Use battery-powered flames in place of real ones. Make sure your house and yard are well lit. Keep your pets in another room during trick-or-treating. And remove any debris or decorations that could cause someone to trip and fall.


While you can’t prepare for every possible accident that can occur, it does pay to be prepared. Check with your insurance agent if you’re concerned about your coverage and follow basic safety precautions to have a happy and healthy Halloween!


Compliments of Virtual Results

My San Diego Dream Home
Sean Zanganeh
12780 High Bluff Dr
San Diego, CA 92130
858-345-9040
CA DRE# #01851910

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2020 San Diego MLS®, Inc.
This site powered by CINC: www.cincpro.com