Halloween is meant to be a night of fun everyone can enjoy, but certain situations can quickly ruin the fun, especially if you’re a homeowner. Make sure you take these 4 home insurance concerns into consideration before October 31st.
Some older kids like to become vandals on Halloween by throwing eggs at houses or threading toilet paper over trees. Sometimes, teens can cause more expensive damage to property by spray-painting graffiti, slashing tires, or keying cars. Home insurance policies don’t cover damage to automobiles, so check your National City car insurance policy to see what’s covered. If your house is vandalized this Halloween, calculate whether or not it would be worth filing a claim. In some instances it may actually be cheaper to handle the cleaning and repair costs yourself.
2. Gravestone Vandalism
You might not think home insurance covers gravestones, but these policies often do. If someone vandalizes the gravestone of one of your deceased family members, you’ll be covered if your insurance agency includes it in their policy. Many National City homeowners insurance policies include a section on gravestones.
3. Burn-Related Accidents
Due to the presence of jack-o’-lanterns and candles, there’s a risk people can burn themselves on your property. Keep fire hazards in mind as you set up your yard for Halloween. You don’t want trick-or-treaters to accidentally get burned because their costumes brushed into a flame while walking by. Make sure all obstacles are out of the way and that the pathway to your door is well lit.
4. Intoxicated Partygoers
The law can hold the host of a Halloween party responsible for the drunken actions of his or her guests. For example, if someone at your Halloween party drives home drunk and gets into an accident, you could be held responsible. To prevent problems such as these from occurring, limit the number of drinks partygoers can have, only invite people you trust, and remind your guests you’ll find safe transportation for them if needed.
If you have additional home insurance concerns you’d like to look into before Halloween rolls around, get in touch with American Tri-Star. In addition to home insurance, we also offer affordable commercial, health, auto, and motorbike insurance in National City. Give us a call today at 619-474-3900 and one of our friendly agents would be happy to answer your questions and provide a free quote.