Trick-or-treating, haunted houses, and spooky decor, Halloween is a favorite time of year for families across New York. But before you turn on the fog machine or welcome a crowd of costumed kids to your doorstep, it’s worth checking how your homeowners insurance protects you and whether any liability or coverage extras should be added for peace of mind.
1. Light the Way for Trick-or-Treaters
A dark walkway might set the Halloween mood, but it also raises the risk of slips and falls.
- Replace burnt-out bulbs.
- Use solar lights or motion-sensor fixtures to keep paths visible.
- Keep extension cords tucked away from foot traffic.
If someone trips on your property and is injured, your personal liability coverage within your homeowners policy can help cover medical expenses or legal costs. Make sure your limits are high enough, especially if you host frequent guests.
2. Secure Your Decorations and Inflatables
Wind, rain, or an over-excited visitor can knock over decorations and cause damage.
- Anchor large inflatables securely.
- Keep open flames (like jack-o-lanterns) far from walkways, curtains, or dry leaves.
- Opt for LED candles instead of real ones.
Damage to your property caused by fire or vandalism may be covered under your home insurance policy. Check your coverage for outdoor items, as limits can vary.
3. Host Parties Responsibly
If you’re throwing a Halloween bash, remember: you’re responsible for your guests’ safety and behavior.
- Offer food and non-alcoholic drinks.
- Have rideshare info handy for guests.
- Clean up spills quickly to avoid injuries.
Homeowners policies typically include liability protection, but it may not cover everything, especially alcohol-related incidents. Some homeowners choose an umbrella policy for added protection beyond standard limits.
4. Keep Pets Calm and Contained
Even the friendliest pet can get spooked by masks or doorbells.
- Keep pets in a quiet, separate room during peak trick-or-treat hours.
- Make sure their ID tags are up to date in case they escape.
If your dog bites a visitor, you could be held liable for medical expenses. Review whether your homeowners liability coverage includes pet incidents.
5. Protect Your Home from Mischief
Halloween pranks can sometimes cross the line. From egged windows to stolen decorations, property damage can happen.
- Park cars in the garage.
- Bring in valuables or decorations overnight.
- Install motion-sensor cameras or lighting.
Vandalism is often covered by homeowners insurance, but it’s a good idea to verify your deductible and ensure coverage extends to outdoor structures and personal property.
6. Review Your Policy Before the Holiday
Halloween is the perfect reminder to do a quick insurance review. Ask your agent:
- Do I have enough liability protection if someone gets hurt on my property?
- Are decorations, fences, or outdoor items covered if they’re damaged?
- Should I consider an umbrella policy for added security?
Contact MetzWood Insurance today to make sure your home and liability coverage are ready for whatever comes knocking this Halloween.
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