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Homeowners and Renters Insurance Coverage for Halloween Losses: Avoid Injuries and Damages

Halloween can be scary but having the right insurance coverage can take some of the fright out of the night, according to the Insurance Information Institute (I.I.I.).  Although the chances of damage or injuries occurring is not great, it is always best to haver the right homeowners or renters coverage, just in case.

If you or a family member suffer injuries this Halloween contact a reputable personal injury attorney in Harrisburg today for a free legal consultation. 

Your insurance policies provide financial protection for a host of disasters whether they occur on Halloween, which falls this year on Friday, or any other day.

The I.I.I. points out that standard homeowners and renters insurance will provide coverage for the following:

Property Damage: 

In the event your home or your personal possessions are damaged by neighborhood tricksters, homeowners and renters insurance policies provide coverage for vandalism and malicious mischief. You are on your own, however, when it comes to removing the toilet paper from your front yard.  If a jack-o-lantern, or other decoration, goes up in flames and damages your property, your homeowners or renters policy will cover fire-related losses. And, should the blaze make your home uninhabitable, additional living expenses (ALE) coverage will pay for alternate accommodations, such as a hotel, while your home is being repaired.


The liability portion of a homeowners or renters policy comes into play if a Halloween party guest, or a trick-or-treater is injured while at your house or apartment. These policies also include no-fault medical coverage so the injured person can file their claim directly with your insurer. And if Fido gets a little skittish from all the commotion and accidently nips a trick-or-treater your liability coverage includes damages or injuries caused by pets.

If you or a loved one are seriously injured in an accident because the driver of a car, motorcycle, bus, or truck was inattentive, drinking, texting or just not paying attention, contact an injury accident lawyer at Schmidt Kramer in Central PA.  We can answer any questions or concerns you have about a south-central Pennsylvania car accident in Camp Hill, Hershey. Gettysburg, York, Chambersburg, Harrisburg and all of Pennsylvania.

The toll-free number is 888-476-0807 or dial 8 at 717-888-8888 and the case evaluation is free. Alternatively, you may wish to download a free copy of our book Who Pays the Bills When You Are Injured in an Automobile Accident? for additional information.