Ensure You Don’t Get Tricked into an Insurance Claim This Halloween

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This Halloween, kids throughout Newark, NJ will be coming up to homeowners and saying “trick-or-treat.” The holiday tradition of going house-to-house dressed up is a treat for homeowners, as they get to see the many varied costumes, as well as for kids who get candy. If you’re a homeowner, make sure Halloween is a treat for you, and you don’t get tricked into a home insurance claim.

Halloween Accidents Lead to Home Insurance Claims

Anytime there’s an accident at your home, you might have to file a claim against your home insurance policy. The risk of an accident occurring increases on Halloween as kids will be coming up to your front door in the dark, and candles may be used in decorations. To reduce the likelihood of an accident occurring on October 31, you can:

  • keep your front yard clear to reduce falls
  • avoid decorating with many candles to reduce the likelihood of a fire
  • secure any expensive outdoor decorations you have to reduce the possibility of theft

Check Your Home Insurance Coverage

Additionally, you ought to review your home insurance coverage before kids come trick-or-treating. Specifically, look at your home insurance policy’s:

  • liability coverage, which may cover injuries from falls
  • fire protection, which might cover house fires
  • personal property coverage, which might cover theft

If you’re uncomfortable reviewing these coverages on your own, contact us at E.S.T.I.R. Inc. We have knowledgeable insurance agents who can explain and review these different coverages with you. To reach them, simply send us a message online or call our office. We look forward to hearing from you, and hope you have a safe and fun Halloween.