On Halloween, we all enjoy handing out treats to the little monsters that arrive at our door asking for candy. Unfortunately, some of us have to deal with damage created by larger monsters that arrive at our door asking for trouble.
Vandalism and property damage are just some scary Halloween insurance concerns. You also have to consider the possibility of trick-or-treaters getting hurt on your property or accidents caused by decorations or other holiday accoutrements. Are your insurance policies ready to handle any horrors that the holiday may bring?
Here are some of the most common Halloween events that might trigger an insurance claim.
You can limit the possibility of mishaps and accidents through simple preventative measures. Use batteries instead of flames for illumination, keep your house well lit, remove any slip hazards (including ice and snow if you live in a colder climate), and do not set up any hazardous decorations.
With some foresight, you can enjoy the holiday with confidence. Check to make sure your policies cover these common Halloween-related concerns, understand any exclusions that may exist, and close any loopholes that you think are important enough to be closed. Then you will not have to worry about a damage claim or lawsuit rising from the night to consume your bank account and terrorize your financial plans.
Remember your insurance premium could also be affected by your credit rating. You can check your credit score and read your credit report for free within minutes by joining MoneyTips.
Originally Posted at: https://www.moneytips.com/is-your-home-insurance-ready-for-halloween
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