As the Lady Gagas and Harry Potters come out Monday night, your standard auto and homeowners policies should have you covered in case you receive more tricks than treats.

The I.I.I. gives several examples of how insurance can protect you from Halloween-related losses. For instance, if your home is damaged in a Halloween prank your homeowners or renters policy provides coverage for vandalism, after the deductible is met.

Similarly, if your car is damaged by mischievous trick-or-treaters, there is coverage under the optional comprehensive portion of your auto insurance policy.

If you expect to be handing out candy or throwing a Halloween party, again you would be covered if a trick-or-treater or guest is accidentally injured in your house or apartment, the I.I.I. says. The liability portion of your homeowners or renters insurance policy covers you in the event you are sued by the injured party.

While it’s reassuring to have these insurance policies in place, it’s also important to follow some basic safety steps, such as:

- Ensure there’s a clear path to your front door by removing all objects that could cause children to trip or fall.

- Turn your outside lights on if you welcome trick-or-treaters.

- Take caution when using candles, jack-o-lanterns, matches and lighters and keep them out of reach of children and away from flammable materials.

- Have a plan for your pet especially if they are easily spooked by guests or doorbells.

- Motorists need to be extra cautious and watch for children, especially after dark.