Halloween Home Horrors: Are you protected from a bump in the night?

Home owners, beware! Trick-or-treaters will soon be knocking on doors nationwide in the quest for sweet delights. But even those not looking to get in on the Halloween spirit need to know about potential liabilities, to avoid falling victim to any unexpected frights; and least of all as prey to your insurance company.

Here’s your Halloween treat or two from Dovetail, about what you can do to make sure your home is trick proof this season.

Stranger Danger

We know that inviting strangers onto your property is risky any day of the year—particularly if they fall and get hurt. But, as uninvited visits to your home could reach their peak this Halloween, this is the perfect time for you to take a step back and think about what you can do to make sure you are protected from any unwanted liabilities that may come knocking at your door.

Luckily, for either small or large injury claims, home insurance can offer coverage for any slips, trips or falls that take place outside your home. So, do you have yours? You might like to consider adding on extra liability by buying an ‘umbrella’ policy, to provide extra coverage to auto and home insurance. As we say, it’s always best to be prepared. After all, you never know what tricks will tickle the fancy of your visiting ghouls and gremlins on a Halloween night…

Hosting a Haunted House

No matter how freely visitors may flow to your home this year, our insurance experts recommend being mindful of your admissions policy. Homemade decorations carried off by thieves may be covered by home owner’s insurance, but it might not be the best way to take advantage of your insurance policy. In addition to filing a police report you would need to decide whether pursuing an insurance claim for stolen decorations had the potential to negate the aid of cover an insurance policy would provide if a larger issue, such as a house fire, were to occur further down the road.
And then there’s other items in your house worth covering…like your long lived, cherished family dog. With the best healthcare options available and cover against even the most spookiest of risks, why would you not give pet insurance a thought?

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