Halloween is meant to be spooky, but fear not, homeowners or renters, because there is insurance to protect you from any havoc that little ghosts or goblins may cause!
Home and Tenant insurance policies provide protection for a multitude of of disasters be it natural or “supernatural”. Homeowners and Renters are covered for these important risks:
If your jack-o-lantern, or other Halloween decoration, causes a fire on your property, your Home or Tenant policy will cover repair or replacement of any damaged property or personal belongings. If your home becomes uninhabitable, additional living expenses coverage will pay for alternate accommodations, such as a hotel, while your home is being repaired.
From 2014-2018, an average of 770 home fires began with decorations per year. More than two of every five (44%) of these fires occurred because the decorations were too close to a heat source, such as a candle or hot equipment. Ref. National Fire Protection Association
Home policies include will cover your home and your personal belongings in the event there is damaged caused by Halloween tricksters.
The personal liability portion of a Homeowners or Tenant policy will respond if a trick-or-treater is injured while visiting your house or apartment. Typically policies include up to $1,000,000 in personal liability as well as coverages for voluntary medical payments, up to $1000.
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