Spooky Situations: Is Your Home Insurance Ready for Halloween?

Halloween brings excitement, but it also comes with risks like vandalism, accidents, and property damage. VIP Insurance Professionals shares how to ensure your home insurance policy is prepared for any spooky surprises.

1. Check Liability Coverage
With trick-or-treaters on your property, accidents can happen. Make sure your homeowners' insurance includes liability coverage in case of injuries.
2. Protect Against Vandalism
Unfortunately, Halloween can bring some unwanted tricks. Review your policy to see if it covers damage from vandalism, such as egged windows or smashed decorations.
3. Theft and Property Coverage
If you’re displaying expensive decorations, ensure your policy covers theft. Outdoor items are more vulnerable, so keep valuable decorations secure.
4. Pet Liability Protection
​If your pet gets overwhelmed and accidentally harms a visitor, your policy may cover liability claims. Confirm that your homeowners' insurance includes pet liability to avoid unexpected expenses.