Preheader

 

Get A Quote About Contact Home Page
 


Auto Home Business Life

Soon, ghouls, goblins and The Little Mermaid will be at your front door. Are you prepared?

We aren’t talking candy-bought, decorations-up prepared. We mean, what happens if Glenda the Good Witch breaks her arm or your house is egged? Are you covered for that? Or will a night of tricks and treats become an expensive horror?

[insert Hitchcock-approved music here]

Note: Not all insurance policies are created equal! The following guidelines are standard, but there are exceptions. It’s important to get to know your insurance policy before you have to file a claim.

Here are three possible Halloween problems, and the skinny on what is and isn't covered by a typical policy.

Trick-or-Treater Slips and Falls

Trick-or-treating can be really exciting! So exciting that little kids run and trip. And fall. Fortunately, most homeowner policies provide liability coverage if someone is injured on your property. The standard amount per occurrence is  $100,000, but you may be able to increase this amount depending on your policy. Tip: To prevent this from happening, it’s important to prepare your house for Halloween! Plenty of lights and a clear walkway will decrease the likelihood of an accident. 

Note: If you’re sued because of the accident, your policy may also pay to defend you in court. But keep in mind that you’re typically only covered for negligence. You aren’t covered for intentional injuries – meaning if little Glenda the Good Witch hurts little Kevin the cowboy, you won’t be covered!

Jack-o-Lantern Catches Fire

Do you light your jack-o-lantern with a candle? If so, you’re not alone. Over the last three years, an average of 15,500 fires per year were caused by an open-flamed jack-o-lantern, according to the U.S. Fire Administration.

Fortunately, most homeowner policies cover fire from a lit candle or a string of decorative electrical lights. If the fire displaces your family, insurance will typically cover the cost of additional living expenses.

Note: Coverage may be limited due to “negligence” depending on the origin of the fire – for example, if you had a bonfire in your living room, that’s negligence. If you're planning an ambitious flame display this year, check with your insurance company to determine how they define “negligence.”

“Tricks” Dent Your Siding 

For the most part, “trick-or-treat” is heavy on the treat part. But, not always. Sometimes, tricks happen, too. And next thing you know, your house is egged (or worse), and there’s damage to your siding!

If this happens to you, it’s considered vandalism under most standard insurance policies, which means you will be protected. If the repair cost exceeds your deductible for vandalism, the insurance company will cover the repairs. If you’re concerned about any mischief on Halloween, double-check your homeowners insurance policy to make sure vandalism is covered.

Note: Many policies don’t cover vandalism if a property has been vacant for 30 days or more. If you’re planning an extended trip or have a second home, speak with an agent about the vandalism portion of your policy.

Read More: Source

Posted 6:12 PM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
View Our Latest Insurance News
more...
  Coverage
Home
About Us
Get A Quote
Customer Service
Contact Us
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Other Insurance Types...
Mailing Address
80 Main Rd
Tiverton, RI 02878
Contact Us
Ph: 401.624.8477
Fx: 401.624.2281
info@interstate-ins.com
How Can We Help You?
or call us at
401.624.8477
Get A Quote My Policy Request a Certificate Facebook Twitter Linkedin Blog RSS Feed Blog RSS Feed Insurance Website Builder Google Plus Facebook Twitter LinkedIn YouTube Blog RSS Google Plus